BankSAFixed Rate Home Loan
Lock in a little certainty with a fixed interest rate for 1-5 years
Home loansBank updated 28 Oct 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
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.84% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 62nd lowest of 82, level with 3 others |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.84% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 60th lowest of 84, level with 3 others |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.04% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 60th lowest of 80, level with 3 others |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.24% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions | 49th lowest of 63, level with 3 others |
Rates
Every rate BankSA publishes for this home loan, 110 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- 1 yr fixedtypical 6.59%6.84%
- 2 yrs fixedtypical 6.62%6.84%
- 3 yrs fixedtypical 6.69%7.04%
- 4 yrs fixed7.19%
- 5 yrs fixedtypical 6.89%7.24%
| 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% | 7.21% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, Interest only | 1 yr fixed | ≤70% LVR | 7.14% | 9.38% | - |
| 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% | 7.31% | - |
| 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% | 9.48% | - |
| 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% | 7.61% | - |
| 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% | 9.77% | - |
| 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. | Investment, Interest only | 2 yrs fixed | ≤70% LVR | 6.94% | 7.22% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, Interest only | 2 yrs fixed | ≤70% LVR | 7.14% | 9.13% | - |
| 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% | 7.32% | - |
| 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% | 9.23% | - |
| 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. Our Advantage Package gives you a 0.20% interest rate discount and ot… | Investment, Interest only | 2 yrs fixed | 80–90% LVR | 7.34% | 7.61% | - |
| 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% | 9.52% | - |
| 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% | 7.30% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, Interest only | 3 yrs fixed | ≤70% LVR | 7.39% | 8.99% | - |
| 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% | 7.39% | - |
| 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% | 9.09% | - |
| 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% | 7.69% | - |
| 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 | 3 yrs fixed | 80–90% LVR | 7.79% | 9.38% | - |
| 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% | 7.39% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, Interest only | 4 yrs fixed | ≤70% LVR | 7.59% | 8.90% | - |
| 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% | 7.49% | - |
| 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% | 9.00% | - |
| 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% | 7.79% | - |
| 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% | 9.29% | - |
| 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% | 7.43% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, Interest only | 5 yrs fixed | ≤70% LVR | 7.59% | 8.76% | - |
| 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% | 7.53% | - |
| 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% | 8.86% | - |
| 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% | 7.83% | - |
| 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% | 9.15% | - |
| 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% | 7.21% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, P&I | 1 yr fixed | ≤70% LVR | 7.04% | 9.37% | - |
| 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… | Investment, P&I | 1 yr fixed | 70–80% LVR | 6.94% | 7.31% | - |
| 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% | 9.46% | - |
| 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… | Investment, P&I | 1 yr fixed | 80–95% LVR | 7.24% | 7.60% | - |
| 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% | 9.76% | - |
| 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% | 7.21% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, P&I | 2 yrs fixed | ≤70% LVR | 7.04% | 9.11% | - |
| 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% | 7.31% | - |
| 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% | 9.21% | - |
| 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% | 7.60% | - |
| 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% | 9.50% | - |
| 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% | 7.28% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, P&I | 3 yrs fixed | ≤70% LVR | 7.29% | 8.96% | - |
| 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% | 7.38% | - |
| 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% | 9.05% | - |
| 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% | 7.68% | - |
| 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% | 9.35% | - |
| 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% | 7.40% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, P&I | 4 yrs fixed | ≤70% LVR | 7.54% | 8.87% | - |
| 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% | 7.50% | - |
| 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% | 8.97% | - |
| 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% | 7.80% | - |
| 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% | 9.26% | - |
| 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% | 7.43% | - |
| FixedThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Investment, P&I | 5 yrs fixed | ≤70% LVR | 7.54% | 8.72% | - |
| 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 | 5 yrs fixed | 70–80% LVR | 7.44% | 7.53% | - |
| 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% | 8.82% | - |
| 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 | 5 yrs fixed | 80–95% LVR | 7.74% | 7.83% | - |
| 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% | 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. | Owner occupied, Interest only | 1 yr fixed | ≤70% LVR | 7.04% | 7.05% | - |
| 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% | 8.89% | - |
| 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% | 7.15% | - |
| 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% | 8.99% | - |
| 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% | 7.08% | - |
| 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% | 8.72% | - |
| 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… | Owner occupied, Interest only | 2 yrs fixed | 70–80% LVR | 7.14% | 7.18% | - |
| 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% | 8.81% | - |
| 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% | 7.18% | - |
| 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% | 8.64% | - |
| 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, Interest only | 3 yrs fixed | 70–80% LVR | 7.39% | 7.28% | - |
| 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% | 8.74% | - |
| 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% | 7.31% | - |
| 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% | 8.59% | - |
| 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… | Owner occupied, Interest only | 4 yrs fixed | 70–80% LVR | 7.59% | 7.41% | - |
| 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% | 8.69% | - |
| 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% | 7.36% | - |
| 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% | 8.50% | - |
| 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% | 7.46% | - |
| 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% | 8.60% | - |
| 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% | 7.02% | - |
| 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% | 8.86% | - |
| 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% | 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 | 1 yr fixed | 70–80% LVR | 7.04% | 8.96% | - |
| 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% | 7.42% | - |
| 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 | 1 yr fixed | 80–95% LVR | 7.34% | 9.25% | - |
| 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% | 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 | 2 yrs fixed | ≤70% LVR | 6.94% | 8.65% | - |
| 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% | 7.13% | - |
| 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% | 8.75% | - |
| 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% | 7.43% | - |
| 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% | 9.04% | - |
| 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% | 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 | 3 yrs fixed | ≤70% LVR | 7.14% | 8.53% | - |
| 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% | 7.20% | - |
| 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 | 3 yrs fixed | 70–80% LVR | 7.24% | 8.63% | - |
| 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% | 7.50% | - |
| 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 | 3 yrs fixed | 80–95% LVR | 7.54% | 8.92% | - |
| 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% | 7.18% | - |
| 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% | 8.44% | - |
| 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, P&I | 4 yrs fixed | 70–80% LVR | 7.19% | 7.28% | - |
| 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% | 8.53% | - |
| 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% | 7.58% | - |
| 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% | 8.83% | - |
| 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% | 7.24% | - |
| 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% | 8.34% | - |
| 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% | 7.34% | - |
| 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% | 8.43% | - |
| 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% | 7.63% | - |
| 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% | 8.73% | - |
Fees
10 fees published, grouped by when they're charged.
- When you take it outUp to $6002 fees, each listed below
- While you hold itUp to $3952 fees, each listed below
- When you close it or pay it off$350Loan Discharge Fee
When you take it out2
- Lenders Mortgage Insurance Premium
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…
Varies - Lending Establishment Fee
This fee is waived for Customers that have Premier Advantage Package (other fees apply)
$600
While you hold it2
- Annual Advantage Package Fee$395 a year
- Loan Account Fee
This fee is waived for Customers that have Premier Advantage Package (other fees apply)
$8 a month
If a payment is late or fails1
- Missed Payment Fee
Fee payable when we send customer an arrears letter relating to an overdue amount
$15 30 days after it's due
When particular things happen4
- Break Cost fee
Break costs: $30,000 prepayment threshold for the entire fixed period without break costs or fees applying.
Varies - Document Processing Fee
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…
$100 - Fixed Rate - Lock-In Fee
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…
0.15% of balance - Property Valuer Fee
Fee may be payable if a valuation is needed. The amount is dependent on property location and value.
Varies
When you close it or pay it off1
- Loan Discharge Fee
Per Mortgage
$350
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 r…
Eligibility and 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
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Published by BankSA under the Consumer Data Right, last changed by them on 28 Oct 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.