Bank SA Home Loan

Variable interest rates starting from 6.20% (6.55%)*

Compare Bank SA home loan products, fees 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 Offer may be varied or withdrawn at any time.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

Advantage Package IOAdvantage Package P&IBasic Home Loan IOBasic Home Loan P&IRelocation LoanStandard Variable IOStandard Variable P&I
Lowest Variable Rate
(Comparison Rate)
6.72% (7.06%)*6.20% (6.55%)*6.89% (6.90%)*6.29% (6.30%)*9.29% (9.43%)*9.29% (9.43%)*8.70% (8.83%)*
Max LVR70%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

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Additional resources and tools

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