Home loans with credit card and offset account

Why?
Features
Rates & fees
Details

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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

$0 monthly transaction account-keeping fee

when you link your Complete Freedom account

Owner Occupier

2.29% p.a 2 year Fixed Rate
with Advantage Package.²Principal & Interest repayments.
3.50% p.a Comparison rate³

Residential Investment

2.79% p.a 2 year Fixed Rate
with Advantage Package.²Principal & Interest repayments.
4.04% p.a Comparison rate³

Annual Fees

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

Refinance cashback offer

$2k

Cashback per property^ refinanced

For new Owner Occupier with Principal & Interest repayments and Investment loans. Available on our Advantage Package and Basic home loans. $395 annual package fee. $200k min loan per property refinanced. Excludes refinances from within Westpac Group. Apply by 31 July 2020, and settle by 30 September 2020.

Looking to refinance?

What else do I need to know?

^$2,000 Refinance Cashback. Credit criteria, fees and charges apply. Terms and conditions available at BankSA. For new refinance applications received between 1 April 2020 to 31 July 2020 and settle by 30 September 2020. Offer available on the Advantage Package and Basic Home Loans for Owner Occupier with Principal and Interest repayments and Investment Loans. Offer current as at 1 April 2020. Offer may be varied or withdrawn at any time. $200k min loan per property refinanced. Only 1 cashback per property refinance will be paid regardless of the number of loans involved. Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA and RAMS. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Advantage Package terms and conditions apply. A $395 annual package fee applies and is payable from an eligible BankSA transaction account. Applicants home loan repayments must be direct debited from this transaction account. Read the BankSA transaction account terms and conditions and consider if the product is right for you. Refer to www.banksa.com.au. The cashback will be paid into a BankSA transaction account within 60 days of settlement. The transaction account must be linked to the home loan at the time of settlement and kept open for 60 days after settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

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.

Choose a Home Loan

Choose a Credit Card

Choose a Bank Account

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.

Start your journey online

Learn how much you could borrow.

Receive indicative approval in under 15 minutes.

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

Request a call back

A BankSA home loan expert will call you back.

Find a lender

Find your nearest branch or mobile lender.

Not right? Try these

Basic

A no frills loan

Fixed Rate

Lock in your rate

Find More

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 587KB)

Portfolio Loan Agreement - General Terms and Conditions (PDF 6MB)

BankSA Advantage Package - Terms and Conditions (PDF 2MB)

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.

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.
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 (PDF 2MB), 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.

COVID-19 Updates

Advantage Package