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.

Special offer

$2k

Cashback^ When you refinance

For new Owner Occupier (Principal & Interest) or Investment home loans with the Advantage Package. $395 annual package fee and $200k min loan per property applies. Excludes refinances from within Westpac Group. Applications received by 30 September 2019, with loan settled by 30 November 2019.

What else do I need to know?

^$2,000 Refinance Cashback
For new home loan refinance applications received from 1 April 2019 to 30 September 2019, with loan settled by 30 November 2019 and taken as part of the Advantage Package. Offer current as at 1 July 2019. $200k min loan per property refinanced. Only 1 cashback per property refinance will be paid regardless of the number of loans involved. Offer may be varied or withdrawn at any time. Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include BankSA, Westpac, St.George Bank, Bank of Melbourne 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 must have a BankSA transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. Applicants’ home loan repayments must be direct debited from this transaction account. The cashback will be paid into this account within 60 days after settlement. Before deciding to acquire a BankSA transaction account, read the terms and conditions and consider if the product is right for you. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

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

$0 Monthly full offset service fee

Owner occupier

2.99% p.a

2 year Fixed Rate
with Advantage Package.²
Principal & Interest repayments.
3.94% p.a Comparison rate³

Residential Investment

3.59% p.a
2 year Fixed Rate
with Advantage Package.²
Principal & Interest repayments.
4.5% 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.

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.

Enquire online

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

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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 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.

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

Advantage Package