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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.

Refinance offer


$2k

Cashback^ When you refinance

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. Applications received by 31 January 2020, with loan settled by 31 March 2020.

Looking to refinance?

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

  • 2.89% p.a 2 year Fixed Rate
    with Advantage Package.2
    Principal & Interest repayments.
  • 3.81% p.a Comparison rate3

Residential Investment

  • 3.23% p.a 2 year Fixed Rate
    with Advantage Package.2
    Principal & Interest repayments.
  • 4.32% p.a Comparison rate3

Annual Fees

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

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.

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.

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 248KB)

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 822KB)

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. The interest rate is inclusive of the current 0.15% p.a. Advantage Package discount for the fixed rate period under the Advantage Package.

  3. 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.