BankSA
Relocation Loan without end
Ready to buy your new home but haven't sold your old one yet? Our relocation loan could let you buy now and sell later and make your move smoother.
Home loansBank updated 13 Aug 2026
At a glance
- Max LVR
- 80%
- Annual fee
- $96
- Features
- extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe rates include our 0.10% p.a. discount for LVRs+ up to 70%. | Owner occupied · Interest only | — | ≤70% LVR | 9.29% | 9.11% | — |
| Variable | Owner occupied · Interest only | — | 70–80% LVR | 9.39% | 9.21% | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| 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… |
| 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 |
| Loan Account Fee | Periodic | $8 | Every 1 mo | — |
| Lending Establishment Fee | Upfront | $600 | — | — |
§ 03 — Features
Extra repaymentsFraud protectionRelationship manager
- · A relocation loan (also known as a bridging loan) is a short term, 12-month loan that helps you buy a second property while giving you time to sell your first one (even if you still have a mortgage o…
- · Buy now, sell later- Snap up that dream property when you find it. Then take time to sell your current one later to help get the price you want. A relocation loan could help you to make timely offers…
- · Cover stamp duty & fees - You can even add upfront costs such as stamp duty and legal fees in your relocation loan if the value and equity in your current home is enough. It helps ease expenses.
- · Avoid the rent drain - If you time it well, you could avoid the costs of having to rent a home in the period between the sale of your current property and settlement of your new home.
- · No required repayments during the bridging period. The interest charges are capitalised over the term of the loan.
- · Building Loan Available feature
- · The product includes a combination loan feature.
- · Statements of account : We will send you a statement of your loan account at least every six months or more frequently if you request
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: An Australian citizen or permanent resident
- · Amount $10,000 to no maximum
- · Maximum LVR 80%
- · A new or an existing home loan customer.
- · An owner occupier buying a new home, or buying vacant land to build a new home using a building contractor.
- · Maximum repayment term 12 months
- · Interest Only Option - Capitalised Interest
§ 06 — Run the numbers
Put this product through a calculator
Published by BankSA under the Consumer Data Right, last changed by them on 13 Aug 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.