Home Loans

Advantage Package

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Why choose Advantage Package?

Save when you package a home loan, credit card and transaction account

Discount on interest rates
Save 1.31% p.a. off your standard variable rate home loan with Advantage Package for loans above $100,000
All-in-one package
Combine a home loan, credit card, and transaction account to create your all-in-one package.

You also get...

$0 Home loan establishment fee

$0 Monthly home loan administration fee

$0 Annual credit card fee

Owner Occupier

  • 1.99% p.a 2 year Fixed Rate
    with Advantage Package.2
    Principal & Interest repayments.
  • 3.44% p.a Comparison rate*

Residential Investment

  • 2.29% p.a 2 year Fixed Rate
    with Advantage Package.2
    Principal & Interest repayments.
  • 3.95% p.a Comparison rate*

Annual Fees

  • $395 This single fee covers up to 5 home or investment loans1.

Calculators

View all rates

Got insurance?

Home and Contents Insurance helps you get back on your feet if your home or personal belongings are affected in an unforeseen event. Plus save up to 25%.^^

Get 3K cashback when you refinance

$3K

Cashback^ When you Refinance


Apply by 31st August 2021, and settle by 30th November 2021. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR less than 90%. Available on our Advantage Package home loans, with a $395 annual package fee and Basic Home Loans (no annual fee). $200k min loan. Only one $3K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^ 

Looking to refinance?

 

FAQs

$3,000 Refinance Cashback per primary applicant for applications received between 1st July 2021 - 31st August 2021 and settled by 30th November 2021. Limit of one $3,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant.

The cashback will be paid into a BankSA transaction account within 60 days of settlement. The transaction account must be in the same name as the home loan account and linked to the home loan at the time of settlement. This account must be kept open for 60 days after settlement.

For the $3,000 cashback offer, tax consequences may arise for investors and you should seek independent advice.

How it works

You don’t have to know each product you want before you apply online. Our home loan experts can help you find the right mix for you.
1.
 Choose a Home Loan
2.
Choose a Credit Card
3.
Choose a Bank Account
4.
Apply online

The Detail

Conditions, fees and credit criteria apply. Before making a decision, it’s best to read the terms and conditions.
Residential Loan Agreement
General Terms and Conditions.
Loan Accounts
Charges for specific services and accounts.
Advantage package
Terms and Conditions.
Portfolio Loan Agreement
General Terms and Conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch. The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it's right for you. If you need help, call 13 13 76.

Start your application online

Learn how much you could borrow.
It should only take around 20 minutes to apply.

A home loan expert will call you once you have submitted your application to talk through next steps.

Get started

 

Already started an online application with us? Retrieve your application.

Request a call back

A BankSA home loan expert will call you back.

Call us on

13 13 76

To talk with a BankSA home loan expert.

Find a lender

Find your nearest branch or mobile lender.

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Basic

A no frills loan

Fixed Rate

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Important information

Conditions, fees and credit criteria apply. Before making a decision, it’s best to read the terms and conditions:

Residential Loan Agreement - General Terms and Conditions (PDF 1MB)

Loan Accounts - Charges for specific services and accounts (PDF 105KB)

Portfolio Loan Agreement - General Terms and Conditions (PDF 194KB)

BankSA Advantage Package - Terms and Conditions (PDF 336KB)

Please read these documents and keep a copy. You can request a paper copy at a branch. The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 13 13 76.
 

1.The Advantage Package will support up to 10 Portfolio sub-accounts in a Package and up to 5 sequence loans (e.g. loans with Flexible Choice). Note when Lenders Mortgage Insurance (LMI) applies, only single sequence loan or Portfolio Loans can be Packaged.

2.Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible BankSA transaction account. An Advantage Package discount has been included in the advertised eligible rate. The discount and fee savings apply for the duration of the package. Before deciding to acquire a BankSA transaction account, read the terms and conditions, and consider if the product is right for you.

*Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years.After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply between 1st July 2021 to 31st August 2021 and settle by 30th November 2021 for refinance applications. Offer may be varied or withdrawn at any time. Min loan amount $200k and LVR must be less than 90% (LMI may apply). Offer available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Limit of one $3,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Excludes Owner Occupier Interest Only, Portfolio Loans, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into a BankSA transaction account within 60 days of settlement. This account must be in the same name as the home loan account and linked to the home loan at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. 

^^Quote and buy online and save 15% off your annual premium for the first year with promotional code COVER. Plus, save a further 10% when you combine home and contents located at the same address under one policy. Home and Contents Insurance is issued by Allianz Australia General Insurance Limited ABN 99 003 719 319, which is a corporate authorised representative of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz Insurance). BankSA – a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the insurance under a distribution arrangement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement (PDF 946KB) to see if this insurance is right for you. Call 1300 554 002 or visit banksa.com.au/insurance.