Bank SA Home Loans: Rates and Features

Bank SA has the tools, support, and the services required to better the customers and grow businesses. Some of this includes information and articles by many industry experts and successful business owners.

They have been helping South Australians since 1848, with a meaningful and time honoured commitment to the people and the local communities of southern Australia and the Northern Territory.

Bank SA assists small and local fundraisers and charities that look towards a brighter future for young people in these areas that experience any disadvantage. By being a committed and proud group they operate on a level and look to bring positive changes for the future.

Bank SA $2,000 Refinance Cashback*

Bank SA $2,000 Refinance Cashback home loan offer will be eligible for refinance applications received from 1 September 2023 and settled within 120 days of applying.

Offer criteria

$2,000 Refinance Cashback available for new refinance applications received from 1 September 2023 and settled within 120 days of application. Offer may be varied or withdrawn at any time.
Limit of one $2,000 cashback payment per customer regardless of the number of applications, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant.
Min Loan amount $250k and LVR must be less than 80%.
Offer available on Owner Occupier (Principal & Interest repayments) and Residential Investment Loans (Principal & Interest and Interest Only repayments) with either the Advantage Package ($395 annual package fee) and Basic Home Loans.
Offer not available for Portfolio Loans, Owner Occupier Interest Only loans, residential lending originated under family or company trusts, refinances of home loans within the Westpac Group which include Westpac, St.George, Bank of Melbourne, BankSA and RAMS.
The cashback will be paid into a Bank SA transaction account within 60 days of settlement. This account must be in the same name as the home loan account and linked to the home loan at settlement.
Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible Bank SA transaction account. Before deciding to acquire a Bank SA transaction account, read the terms and conditions, and consider if the product is right for your client.
Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

This offer is not available for:

Portfolio Loans.
Switches and refinances of home loans within the Westpac Group which include Westpac, St.George, Bank of Melbourne, BankSA and RAMS.
Owner Occupier Interest Only loans.
Residential lending originated under a trust.
Residential lending under a company name.

Offer ends 30 June 2024

Bank SA Home Loan Product Features

Product Fees
	Advantage Package IO	Advantage Package P&I	Basic Home Loan IO	Basic Home Loan P&I	Relocation Loan	Standard Variable IO	Standard Variable P&I
Application	-	-	$500	$500	$600	$600	$600
Settlement	$100	$100	$100	$100	$100	$100	$100
Discharge	$350	$350	$350	$350	$350	$350	$350
Product	$395	$395	-	-	$8	$8	$8
Fee Cycle	Annually	Annually	Annually	Annually	Monthly	Monthly	Monthly
Product Features
Repayment	Monthly	Weekly, Fortnightly, Monthly	Monthly	Weekly, Fortnightly, Monthly	Weekly, Fortnightly, Monthly	Monthly	Weekly, Fortnightly, Monthly
Offset
Redraw
EFTPOS
Debit Card
BPay
Internet Banking
Bridging
Construction

Our preferred lenders

Our full lender panel

Additional resources and tools

No matter what aspect of home loans you want to address with us, we have plenty of additional resources and tools to help you. Whether you want to compare home loans with the Bank SA, calculate your loan repayments, or figure out how much you will save when you refinance your existing loan, Get a Better Rate has you covered.

Refinance Calculator

Our refinance comparison calculator, will help you understand what you could be savings on your home loan

Use calculator

Loan Repayment

How much will be loan repayments be?

Use calculator

Compare Loans

Compare hundreds of home loans from 40 different lenders

Compare Home Loans

© 2023 Loan Marketplace Pty Ltd ABN 42 634 181 301 t/as Get a Better Rate - 19/1 O'Connell St Sydney NSW 2000. Credit Representative 518502, authorised under Australian Credit Licence 389087 of Australian Finance Group Ltd.

Get a Better Rate is a local mortgage broking business. Member of the Australian Finance Group ('AFG') with access to loans from over 40 lenders including Westpac ('WBC'), Commonwealth Bank ('CBA'), ANZ, National Australia Bank ('NAB'), Macquarie Mortgage Solutions ('MBMS'), Pepper Money, ING Direct, AMP Bank, Suncorp and many more.

This site contains logos all of which are copyright of their associated bank or lender. No infringement of copyright is intended. If anything on the site breaches your copyright, please let us know, and we will remove the offending material.

The comparison rate is based on a loan amount of $150,000 over a 25 year term. 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. Terms, conditions, fees and charges apply and your full financial situation would need to be reviewed prior to acceptance of any offer or product.

Bank SA Home Loans