Our platform allows you to easily compare products and access expert advice from experienced brokers to find the right loan for your needs.
Product rates and fees last updated 04 Jul 2025
Navigating the world of home loans, especially when considering your housing needs, can feel overwhelming. At Get A Better Rate, we make finding the right Bank SA home loan simpler than ever. Our platform allows you to easily compare a range of Bank SA products side-by-side, while our experienced Sydney-based brokers provide the expert guidance you need to secure a loan that truly fits your objectives.
Choosing the right Bank SA home loan depends heavily on your individual circumstances and financial goals. Are you a first-time buyer, looking to refinance, or considering an investment property? Our experienced brokers take the time to understand your unique situation to recommend Bank SA options that truly align with your needs and objectives.
While Bank SA offers a range of home loan products, it's wise to explore all your options. Get A Better Rate allows you to compare Bank SA's loans side-by-side with offers from over 40 other trusted lenders in Australia. See how their rates, fees, and features stack up to ensure you're getting the best deal for your situation.
| Advantage Package IO | Advantage Package P&I Lowest Rate | Basic Home Loan IO | Basic Home Loan P&I | Relocation Loan | Standard Variable IO | Standard Variable P&I |
|---|---|---|---|---|---|---|---|
| Lowest Variable Rate (Comparison Rate) | 6.06% (6.41%)* | 5.64% (6.00%)* | 6.39% (6.40%)* | 5.79% (5.80%)* | 8.79% (8.92%)* | 8.79% (8.92%)* | 8.20% (8.33%)* |
| Max LVR | 70% | 70% | 70% | 70% | 70% | 70% | 70% |
| Min Loan Amount | $1,000,000 | $1,000,000 | $30,000 | $30,000 | $10,000 | $10,000 | $10,000 |
| Fees | |||||||
| Application | - | - | - | - | $1350 | $600 | $600 |
| Settlement | $100 | $100 | $100 | $100 | $100 | $100 | $100 |
| Discharge | $350 | $350 | $350 | $350 | $350 | $350 | $350 |
| Ongoing Fee | $395 (annually) | $395 (annually) | - | - | $8 (monthly) | $8 (monthly) | $8 (monthly) |
| 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 |
Loan to Value Ratio (LVR) is a key factor when considering a Bank SA home loan. It represents the amount of your loan compared to the value of the property you're purchasing or refinancing. A lower LVR (meaning you have a larger deposit or more equity) can often result in more favourable interest rates and may help you avoid Lenders Mortgage Insurance (LMI). Our brokers can explain how LVR applies to different Bank SA loan products and help you understand its implications for your borrowing power.
If you're looking for a Bank SA home loan for your own home, features like offset accounts and redraw facilities can offer significant benefits. Bank SA provides a range of loan options designed for home owners, allowing you to manage your finances effectively and potentially save on interest. Our brokers can help you explore these features and find a Bank SA loan that suits your lifestyle.
Finding the right Bank SA home loan doesn't have to be a hassle. Here's how Get A Better Rate gives you the edge:
Our unique platform provides an easy way to compare various Bank SA home loan products and their key features, helping you understand their different purposes.
Our Sydney-based brokers have in-depth knowledge of Bank SA's lending criteria and product nuances.
We don't just focus on one bank. We can compare Bank SA's offerings against solutions from over 40 other trusted lenders, informed by your specific searches.
We take the time to understand your unique financial situation and property goals to recommend the Bank SA loan that truly suits your needs, considering factors like your potential borrowing capacity.
Let us handle the complexities of the application process, helping you navigate the paperwork and liaise with Bank SA, even explaining key documents like the product disclosure statement (PDS).
Need help comparing Bank SA loans or navigating the application?
We have over 20 years of experience working with different Australian Home Loan providers, including Bank SA. Speak with Get a Better Rate and have an experienced Mortgage Broker help navigate your next home loan. Based in the Sydney CBD, Get a Better Rate partners with over 40 top Australia Home Loan providers, reach out for a chat today!
Get a Better Rate is led by a seasoned professional in the hands of mortgage broker Peter Hammond. Peter has over 20 years of experience working with leading Australian financial institutions, including Westpac, Aussie Home Loans, Macquarie Bank, AMP, and Woolworths Money. His expertise in all mortgage lending matters makes him a reputable source of lending knowledge throughout Sydney and beyond.
Peter has worked across various roles, including product management, relationship management, operations and, more recently, as a consultant. This has given him a deep knowledge of the Australian home loan landscape and the challenges consumers face.
It is this connection and dedication to his clients that makes Peter such a trusted figure in the mortgage industry.
Our expert mortgage brokers in Sydney are here to answer your questions and guide you through the Bank SA home loan process.
To help you prepare for your Bank SA home loan application, whether you're building your future or buying into the property market, here are a few key steps:
Before you start the process, it's important to understand your goals and strategy. Whether you are refinancing to a lower interest rate, purchasing a new home or looking to renovate.
Use our home loan repayment calculator and compare repayments against your budget.
STEP 1
STEP 2
At Get A Better Rate, we're committed to providing transparent and reliable mortgage advice.
Our team of accredited mortgage brokers like MFAA and AFCA has years of experience assisting Sydney homeowners.
Based in the Sydney CBD, we understand the local property market and have strong relationships with lenders like Bank SA.
Don't just take our word for it. See what our satisfied clients say about finding their ideal Bank SA loan with us below.
Understanding the LVR can be crucial when considering fixed rates, as it can influence your options.
Fixed-rate loans offer the security of consistent repayments for a set period. However, it's important to consider factors like potential break fees and limited flexibility. Our expert brokers can help you weigh the pros and cons of a Bankwest fixed-rate loan based on your individual circumstances.
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.
Office Address
16/9 Castlereagh Street
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.
We strive to ensure that information displayed on our website is as accurately as possible, however we do not warrant that the information is accurate. Where we become aware of any incorrect information, we reserve the right to correct any error or omission.
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.
© 2025 Loan Marketplace Pty Ltd ABN 42 634 181 301 trading as Get a Better Rate
