BankSA
Fixed Rate Home Loan
Lock in a little certainty with a fixed interest rate for 1-5 years
Home loansBank updated 18 Sept 2026
At a glance
- Fixed
- 1 yr 6.74% · 2 yrs 6.74% · 3 yrs 6.94% · 4 yrs 7.09% · 5 yrs 7.14%
- Max LVR
- 95%
- Annual fee
- $395
- Features
- redraw, extra repayments
§ 01 — Rates · 110
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment · Interest only | 1 yr fixed | ≤70% LVR | 6.94% | 6.99% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · Interest only | 1 yr fixed | ≤70% LVR | 7.14% | 9.16% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment · Interest only | 1 yr fixed | 70–80% LVR | 7.04% | 7.09% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment · Interest only | 1 yr fixed | 70–80% LVR | 7.24% | 9.26% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · Interest only | 1 yr fixed | 80–90% LVR | 7.34% | 7.39% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. | Investment · Interest only | 1 yr fixed | 80–90% LVR | 7.54% | 9.55% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment · Interest only | 2 yrs fixed | ≤70% LVR | 6.94% | 7.02% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · Interest only | 2 yrs fixed | ≤70% LVR | 7.14% | 8.94% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment · Interest only | 2 yrs fixed | 70–80% LVR | 7.04% | 7.12% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment · Interest only | 2 yrs fixed | 70–80% LVR | 7.24% | 9.04% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · Interest only | 2 yrs fixed | 80–90% LVR | 7.34% | 7.42% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. | Investment · Interest only | 2 yrs fixed | 80–90% LVR | 7.54% | 9.33% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment · Interest only | 3 yrs fixed | ≤70% LVR | 7.19% | 7.12% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · Interest only | 3 yrs fixed | ≤70% LVR | 7.39% | 8.82% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment · Interest only | 3 yrs fixed | 70–80% LVR | 7.29% | 7.22% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment · Interest only | 3 yrs fixed | 70–80% LVR | 7.49% | 8.92% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · Interest only | 3 yrs fixed | 80–90% LVR | 7.59% | 7.52% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. | Investment · Interest only | 3 yrs fixed | 80–90% LVR | 7.79% | 9.22% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment · Interest only | 4 yrs fixed | ≤70% LVR | 7.39% | 7.24% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · Interest only | 4 yrs fixed | ≤70% LVR | 7.59% | 8.75% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment · Interest only | 4 yrs fixed | 70–80% LVR | 7.49% | 7.34% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment · Interest only | 4 yrs fixed | 70–80% LVR | 7.69% | 8.85% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · Interest only | 4 yrs fixed | 80–90% LVR | 7.79% | 7.64% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. | Investment · Interest only | 4 yrs fixed | 80–90% LVR | 7.99% | 9.14% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment · Interest only | 5 yrs fixed | ≤70% LVR | 7.39% | 7.29% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · Interest only | 5 yrs fixed | ≤70% LVR | 7.59% | 8.63% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment · Interest only | 5 yrs fixed | 70–80% LVR | 7.49% | 7.39% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment · Interest only | 5 yrs fixed | 70–80% LVR | 7.69% | 8.73% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · Interest only | 5 yrs fixed | 80–90% LVR | 7.79% | 7.69% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. | Investment · Interest only | 5 yrs fixed | 80–90% LVR | 7.99% | 9.02% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment · P&I | 1 yr fixed | ≤70% LVR | 6.84% | 6.99% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · P&I | 1 yr fixed | ≤70% LVR | 7.04% | 9.15% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment · P&I | 1 yr fixed | 70–80% LVR | 6.94% | 7.09% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment · P&I | 1 yr fixed | 70–80% LVR | 7.14% | 9.25% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · P&I | 1 yr fixed | 80–95% LVR | 7.24% | 7.38% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. | Investment · P&I | 1 yr fixed | 80–95% LVR | 7.44% | 9.54% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment · P&I | 2 yrs fixed | ≤70% LVR | 6.84% | 7.01% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · P&I | 2 yrs fixed | ≤70% LVR | 7.04% | 8.92% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment · P&I | 2 yrs fixed | 70–80% LVR | 6.94% | 7.11% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment · P&I | 2 yrs fixed | 70–80% LVR | 7.14% | 9.02% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · P&I | 2 yrs fixed | 80–95% LVR | 7.24% | 7.41% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. | Investment · P&I | 2 yrs fixed | 80–95% LVR | 7.44% | 9.31% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment · P&I | 3 yrs fixed | ≤70% LVR | 7.09% | 7.11% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · P&I | 3 yrs fixed | ≤70% LVR | 7.29% | 8.79% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment · P&I | 3 yrs fixed | 70–80% LVR | 7.19% | 7.21% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment · P&I | 3 yrs fixed | 70–80% LVR | 7.39% | 8.89% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · P&I | 3 yrs fixed | 80–95% LVR | 7.49% | 7.51% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. | Investment · P&I | 3 yrs fixed | 80–95% LVR | 7.69% | 9.18% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment · P&I | 4 yrs fixed | ≤70% LVR | 7.34% | 7.24% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · P&I | 4 yrs fixed | ≤70% LVR | 7.54% | 8.72% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment · P&I | 4 yrs fixed | 70–80% LVR | 7.44% | 7.34% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment · P&I | 4 yrs fixed | 70–80% LVR | 7.64% | 8.82% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · P&I | 4 yrs fixed | 80–95% LVR | 7.74% | 7.64% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. | Investment · P&I | 4 yrs fixed | 80–95% LVR | 7.94% | 9.11% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Investment · P&I | 5 yrs fixed | ≤70% LVR | 7.34% | 7.30% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment · P&I | 5 yrs fixed | ≤70% LVR | 7.54% | 8.59% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Investment · P&I | 5 yrs fixed | 70–80% LVR | 7.44% | 7.40% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Investment · P&I | 5 yrs fixed | 70–80% LVR | 7.64% | 8.69% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment · P&I | 5 yrs fixed | 80–95% LVR | 7.74% | 7.70% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. | Investment · P&I | 5 yrs fixed | 80–95% LVR | 7.94% | 8.98% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Owner occupied · Interest only | 1 yr fixed | ≤70% LVR | 7.04% | 6.83% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied · Interest only | 1 yr fixed | ≤70% LVR | 7.24% | 8.67% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied · Interest only | 1 yr fixed | 70–80% LVR | 7.14% | 6.93% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Owner occupied · Interest only | 1 yr fixed | 70–80% LVR | 7.34% | 8.77% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Owner occupied · Interest only | 2 yrs fixed | ≤70% LVR | 7.04% | 6.88% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied · Interest only | 2 yrs fixed | ≤70% LVR | 7.24% | 8.52% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied · Interest only | 2 yrs fixed | 70–80% LVR | 7.14% | 6.98% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Owner occupied · Interest only | 2 yrs fixed | 70–80% LVR | 7.34% | 8.62% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Owner occupied · Interest only | 3 yrs fixed | ≤70% LVR | 7.29% | 7.01% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied · Interest only | 3 yrs fixed | ≤70% LVR | 7.49% | 8.47% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied · Interest only | 3 yrs fixed | 70–80% LVR | 7.39% | 7.11% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Owner occupied · Interest only | 3 yrs fixed | 70–80% LVR | 7.59% | 8.56% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Owner occupied · Interest only | 4 yrs fixed | ≤70% LVR | 7.49% | 7.15% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied · Interest only | 4 yrs fixed | ≤70% LVR | 7.69% | 8.44% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied · Interest only | 4 yrs fixed | 70–80% LVR | 7.59% | 7.25% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Owner occupied · Interest only | 4 yrs fixed | 70–80% LVR | 7.79% | 8.54% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. | Owner occupied · Interest only | 5 yrs fixed | ≤70% LVR | 7.49% | 7.22% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied · Interest only | 5 yrs fixed | ≤70% LVR | 7.69% | 8.37% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied · Interest only | 5 yrs fixed | 70–80% LVR | 7.59% | 7.32% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. | Owner occupied · Interest only | 5 yrs fixed | 70–80% LVR | 7.79% | 8.47% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Gov… | Owner occupied · P&I | 1 yr fixed | ≤70% LVR | 6.74% | 6.80% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied · P&I | 1 yr fixed | ≤70% LVR | 6.94% | 8.64% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied · P&I | 1 yr fixed | 70–80% LVR | 6.84% | 6.90% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied · P&I | 1 yr fixed | 70–80% LVR | 7.04% | 8.74% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied · P&I | 1 yr fixed | 80–95% LVR | 7.14% | 7.20% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may… | Owner occupied · P&I | 1 yr fixed | 80–95% LVR | 7.34% | 9.03% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Gov… | Owner occupied · P&I | 2 yrs fixed | ≤70% LVR | 6.74% | 6.84% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied · P&I | 2 yrs fixed | ≤70% LVR | 6.94% | 8.46% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied · P&I | 2 yrs fixed | 70–80% LVR | 6.84% | 6.93% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied · P&I | 2 yrs fixed | 70–80% LVR | 7.04% | 8.56% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied · P&I | 2 yrs fixed | 80–95% LVR | 7.14% | 7.23% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may… | Owner occupied · P&I | 2 yrs fixed | 80–95% LVR | 7.34% | 8.85% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Gov… | Owner occupied · P&I | 3 yrs fixed | ≤70% LVR | 6.94% | 6.92% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied · P&I | 3 yrs fixed | ≤70% LVR | 7.14% | 8.36% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied · P&I | 3 yrs fixed | 70–80% LVR | 7.04% | 7.02% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied · P&I | 3 yrs fixed | 70–80% LVR | 7.24% | 8.46% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied · P&I | 3 yrs fixed | 80–95% LVR | 7.34% | 7.32% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may… | Owner occupied · P&I | 3 yrs fixed | 80–95% LVR | 7.54% | 8.75% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Gov… | Owner occupied · P&I | 4 yrs fixed | ≤70% LVR | 7.09% | 7.03% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied · P&I | 4 yrs fixed | ≤70% LVR | 7.29% | 8.29% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied · P&I | 4 yrs fixed | 70–80% LVR | 7.19% | 7.12% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied · P&I | 4 yrs fixed | 70–80% LVR | 7.39% | 8.39% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied · P&I | 4 yrs fixed | 80–95% LVR | 7.49% | 7.42% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may… | Owner occupied · P&I | 4 yrs fixed | 80–95% LVR | 7.69% | 8.68% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Gov… | Owner occupied · P&I | 5 yrs fixed | ≤70% LVR | 7.14% | 7.10% | — |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied · P&I | 5 yrs fixed | ≤70% LVR | 7.34% | 8.21% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for… | Owner occupied · P&I | 5 yrs fixed | 70–80% LVR | 7.24% | 7.20% | — |
| FixedOur standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may differ. | Owner occupied · P&I | 5 yrs fixed | 70–80% LVR | 7.44% | 8.30% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Owner occupied · P&I | 5 yrs fixed | 80–95% LVR | 7.54% | 7.50% | — |
| FixedAn extra 0.30% p.a. will be applied on top of our standard interest rate if you?re borrowing above 80% of our property valuation. For Government's home guarantee scheme-backed loans, maximum LVR may… | Owner occupied · P&I | 5 yrs fixed | 80–95% LVR | 7.74% | 8.60% | — |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Break Cost fee | Event | Varies | — | Break costs: $30,000 prepayment threshold for the entire fixed period without break costs or fees applying. |
| Document Processing Fee | Event | $100 | — | The Settlement Processing Fee, is a fee charged as apart of the fees for Loan Establishment. It is the fee charged for the processing of settlement services. These can include document validation, va… |
| Fixed Rate - Lock-In Fee | Event | 0.15% of balance | — | Rate Lock: BankSA will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our… |
| Property Valuer Fee | Event | Varies | — | Fee may be payable if a valuation is needed. The amount is dependent on property location and value. |
| Loan Discharge Fee | Exit | $350 | — | Per Mortgage |
| Missed Payment Fee | Late payment | $15 | — | Fee payable when we send customer an arrears letter relating to an overdue amount |
| Annual Advantage Package Fee | Periodic | $395 | Every 1 yr | — |
| Loan Account Fee | Periodic | $8 | Every 1 mo | This fee is waived for Customers that have Premier Advantage Package (other fees apply) |
| Lenders Mortgage Insurance Premium | Upfront | Varies | — | If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. There may be other circumstances where Lenders Mortgage Insurance is also required. As Lenders Mortgage Insurance… |
| Lending Establishment Fee | Upfront | $600 | — | This fee is waived for Customers that have Premier Advantage Package (other fees apply) |
§ 03 — Features
RedrawExtra repaymentsGuarantor optionDigital bankingFraud protectionRelationship manager
- · Flexible repayments : Choose to make your repayments weekly, fortnightly or monthly
- · Lock in a fixed rate - Lock in your fixed rate when you apply, so if rates rise before you settle, you won?t be affected (fees apply).
- · Interest in advance : Choose to pay interest in advance on investment loans and get 0.2% p.a. off the fixed interest rate for the interest in advance period.
- · Family Pledge : Use the equity in a family member's home to help you on your home buying journey and maximise the amount you can borrow.
- · At the end of your fixed rate period, choose to re-fix your interest rate for another fixed rate period or let it revert automatically to our standard variable interest rate
- · Option to Loan Split/Subsequent Loan Sequence
- · The product includes a combination loan feature.
- · The product provides options which includes reduced repayment, repayment holiday and portability features
- · The product includes a Relocation Loan End Debt feature
- · The product includes Switching (from another product) feature
- · Loan Payment Method - Direct Credit, Direct Debit (preferred), Branch Payment, Internet or Phone Banking
- · Substituting a security : You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Should be an Australian or New Zealand citizen(s) or permanent resident(s)
- · Amount $10,000 to $2,000,000
- · Maximum LVR 95%
- · Individuals, Trusts (individual and company trustees), Company, Partnership
- · Maximum repayment term 30 years
- · Owner occupier - Loan maximum interest only period 5 years
- · Investment - Loan maximum interest only period 10 years
§ 06 — Run the numbers
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Published by BankSA under the Consumer Data Right, last changed by them on 18 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.