Investing in property

See our rates and read about the benefits of investing, whether you're interested in rental income, capital growth or negative gearing.

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Featured investor rates
(LVR+ up to 70%)

Why choose BankSA?

Rental income
Purchase an investment property and lease it to receive ongoing, regular income from rent.
Capital gains
Buy a property as an investment and you could benefit from a gain in capital if you sell for more than what you paid.
Tax benefits
Save tax with negative gearing if your interest repayments and outgoings are higher than your rental income.
Usable equity
Borrow up to 90% of the equity gained when your home increases in value and use it to purchase other properties.


Calculators and tools for investing

Research your investment

Search a property or suburb for sales histories, estimated value, expected rent and local amenities, with our full online Property Reports.

Borrowing power calculator

Enter details of your income and expenses to get an estimate of how much you could borrow and what your repayments might be for your investment property.

Find out your borrowing power

Explore our calculators

Our home loan calculators can help you plan your nex step, whether you're buying or refinancing.

Get $2K cashback when you refinance to us

$2K

Cashback^ When you Refinance


Apply from 1st September 2023. Settlement must occur within 120 days of applying. Offer may be varied or withdrawn at any time. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR up to 80%. Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $200k min loan. Only one $2K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^ 

Looking to refinance?

 

 

It's easy to get started

 

Save time, apply online 

Apply online for a home loan, conditional approval or to switch to us.

  • You could get approval in 1 business day
  • Dedicated lender will support you from application to settlement.

 

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Book an appointment

A member of our team will be in touch at a time that suits you.

  • They’ll answer your questions and guide you through your next steps.
  • A lender can start your application for you.

 

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Home loans

Manage your home loan

Need to make changes to your existing home loan?

Request a call back

A BankSA home loan expert will call you back.

Call us on

1300 304 660

To talk with a BankSA home loan agent
(7:30am-7:30pm Mon-Fri and 8:30am-5:30pm Sat)

Find a lender

Find your nearest branch or mobile lender.

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Important information

Conditions, credit criteria, fees and charges apply.  Based on BankSA’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.

Loan Accounts – Charges for specific services and accounts (PDF 78KB)

Advantage Package - Terms and Conditions (PDF 451KB)

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 1300 000 266.

1 Redraw and rate lock requests are subject to our approval. Fees apply for rate lock.

2 A discount of 0.2% p.a. will apply only if the interest in advance amount is deducted from a BankSA transaction account.

^How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply from 1st September 2023. Settlement must occur within 120 days of applying. Offer may be varied or withdrawn at any time. Min loan amount $200k and LVR up to 80%. 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 $2,000 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, 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 (for joint home loans, the transaction account will need to be in the same joint names) and linked for home loan repayments to be direct debited from this account at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

^^Advantage Package Terms & Conditions (PDF 451KB) apply. A $395 annual package fee applies and is payable from a BankSA Complete Freedom transaction account. Before deciding to open a BankSA Complete Freedom account, read the Terms & Conditions, and consider if the account’s right for you. 

*Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. 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.

**Residential Investment Basic Principal and Interest Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Principal and Interest repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.

# Excludes loan applications for owner occupier purposes (where the owner owns the property in which they live or intend to live in). Includes Investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make property improvements to an investment property.

Rate Lock: BankSA will apply the fixed rate available at the loan settlement date or the date the fixed rate term commences, unless you lock a fixed rate in on your loan using our Rate Lock feature. The fixed rate lock-in fee is 0.15% of your loan amount or $500, whichever is higher, capped at $1000 for loans up to $2M. For loans above $2M, the fixed rate lock-in fee is 0.15% of your loan amount. At the end of your fixed rate term, the interest rate will convert to our standard variable interest rate, unless a new fixed rate term’s selected and then the fixed rate is determined on the day the fixed term ends.