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Home loan interest rates

Standard Variable Rate Home Loan
Balances   Standard Variable Rate Comparison rate1
All Balances    p.a  p.a.
Get an Advantage Package2 special discount on Balances $500,000+
Balances Advantage Package2 Limited Time Special Discount Standard Variable Rate with Advantage Package2 Limited Time Special Discount Comparison rate4
$500,000 +  p.a  p.a  p.a.
Get an Advantage Package2 discount on Balances $100,000+
Balances Standard Advantage Package2 Discount Standard Variable Rate with Advantage Package2 Comparison rate1
$100,000 - $149,999  p.a  p.a  p.a.
$150,000 - $249,999  p.a  p.a  p.a.
$250,000 - $499,999  p.a.  p.a  p.a.
$500,000 - $749,999  p.a.  p.a  p.a.
$750,000 - $999,999  p.a.  p.a  p.a.
$1 Million +  p.a.  p.a  p.a.
Borrowing Power Calculator

 

Fixed Rate Home Loan
Get an Advantage Package2 discount on Balances $150,000+
Term Annual rate Comparison rate1 (secured loan) Advantage Package2 Discount Fixed Rate with Advantage Package2 Comparison rate1
1 year fixed  p.a.  p.a.  p.a.  p.a  p.a.
2 year fixed  p.a.  p.a.  p.a.  p.a  p.a.
3 year fixed  p.a.  p.a.  p.a.  p.a  p.a.
4 year fixed  p.a.  p.a.  p.a.  p.a  p.a.
5 year fixed  p.a.  p.a.  p.a.  p.a  p.a.
Borrowing Power Calculator

 

Portfolio Loan
Balances   Variable Rate
All Balances    p.a.
Get an Advantage Package2 special discount on Balances $500,000+
Balances Advantage Package2 Limited Time Special Discount Standard Variable Rate with Advantage Package2 Limited Time Special Discount
$500,000 +  p.a  p.a
Get an Advantage Package2 discount on Balances $100,000+
Balances Standard Advantage Package2 Discount Standard Variable Rate with Advantage Package2
$100,000 - $149,999  p.a. p.a.
$150,000 - $249,999  p.a. p.a.
$250,000 - $499,999 p.a. p.a.
$500,000 - $749,999 p.a. p.a.
$750,000 - $999,999 p.a. p.a.
$1 Million + p.a. p.a.
Portfolio Loan Fixed Rate sub-accounts
Term Annual rate
1 year fixed  p.a.
2 year fixed  p.a.
3 year fixed  p.a.
4 year fixed  p.a.
5 year fixed  p.a.
Borrowing Power Calculator

 

Basic Home Loan
Term Annual rate Comparison rate1
Basic Home Loan Rate  p.a.  p.a.
Basic Home Loan Promotional Rate  p.a.  p.a.
Borrowing Power Calculator

 

Great Start Home Loan
Term Annual rate Comparison rate1
1 Year Introductory Fixed Rate3  p.a.  p.a.
1 Year Discount Variable Rate (0.70% below our standard variable rate for the first 12 months of the loan)  p.a.  p.a.
Borrowing Power Calculator

 

Low Doc Home Loan
Term Annual rate Comparison rate1
Variable Rate  p.a.  p.a.
Fixed Rate
1 year fixed  p.a.  p.a.
3 year fixed  p.a.  p.a.
5 year fixed  p.a.  p.a.
Borrowing Power Calculator
Low Doc Portfolio Loan
Term Annual rate
Variable Rate  p.a.
Fixed Rate
1 year fixed  p.a.
3 year fixed  p.a.
5 year fixed  p.a.
Borrowing Power Calculator

 

Relocation Home Loan
Term Annual rate Comparison rate1
With end loan  p.a.  p.a.
Without end loan  p.a. N/A
Borrowing Power Calculator

 

Seniors Access Home Loan
Annual rate Comparison rate1
 p.a.  p.a.
Borrowing Power Calculator

 

Super Fund Home Loan
Term Annual rate Comparison rate1
Variable Rate  p.a.  p.a.
Fixed Rate
1 year fixed  p.a.  p.a.
2 year fixed  p.a.  p.a.
3 year fixed  p.a.  p.a.
4 year fixed  p.a.  p.a.
5 year fixed  p.a.  p.a.
Borrowing Power Calculator

How to apply

Important information

Conditions, fees and credit criteria apply:

View the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 13 13 76.

1The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

2The following interest rate discounts are only available in Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans. Standard interest rate discount, for loans between $100,000 and $149,999, of 0.25% p.a. discount will be applied; for loans between $150,000 to $249,999, 0.50% p.a. discount will be applied; for loans between $250,000 and $499,999, 0.70% p.a. discount will be applied. No discount applies for loans below $100,000. Special interest rate discounts for loans greater than $500,000, for new packaged loans and loan amounts applied for between 21 March 2012 and 31 May 2012, 0.80% p.a. discount will be applied. Special rate discounts include the standard Advantage Package discount of 0.70% p.a. discount and do not apply to internal refinances and are not transferrable between loans. Advantage Package annual fee, currently $395, is payable from an eligible BankSA transactional account.

3Interest rate discount of fixed rate loan is only available.

4Where a fixed rate term applies, after the fixed rate period expires the interest rate will revert to the relevant Standard Variable Rate.