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A guide to Loan-to-Value Ratio

LVR compares your loan amount to our property valuation: the larger your deposit, the lower your LVR %, and the less likely you’ll need Lenders Mortgage Insurance.

LVR article

A guide to Lenders Mortgage Insurance 

An insurance policy that covers us if you fail to repay your loan, LMI can help you buy your home sooner if you haven't yet reached a 20% deposit.

Calculate LMI


A guide to Offset Accounts

Learn how linking a 100% offset transaction account to your home loan could help reduce your interest payable on your home loan.

Our offset account

Got questions? Just ask.

Call us on 13 13 76 to talk with a BankSA home loan expert.

Know a bit more before applying  

What's next?

Looking to buy your first home or do you want to know about refinancing?

The money side

Get an idea of your borrowing power, monthly repayments and upfront costs.

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)

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

The taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and their interpretation.

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. 

LVR stands for the initial loan to value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 13 76.

Tax consequences may arise from offers and promotions for investors and customers should seek independent advice on any taxation matters.

  1. Tax consequences may arise from offers and promotions for investors and customers should seek independent advice on any taxation matters.