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Fixed Rate Home Loan

Protect yourself from rising interest rates with a Fixed Rate Home Loan

  • Choose a fixed interest rate term of 1 to 5 years
  • Know exactly where you stand with your budget and what you’ll need to pay
  • At the end of the fixed rate period, re-fix your interest rate for another fixed rate period or your loan will revert automatically to our standard variable interest rate
  • On investment loans, choose to pay interest in advance  and get 0.2% p.a.off the fixed interest rate for the interest in advance period1.
Apply online

A BankSA home loan expert will contact you at your preferred time.

Fix your interest rate

  • Fix your interest rate from 1 to 5 years
  • Rate lock – lets you secure an advertised Fixed Interest Rate for up to 3 months before your new Fixed Rate Home Loan settles or the interest rate period on your current BankSA home loan ends2

Choice of loan term & repayments

Fixed terms up to 5 years, with a choice of principal and interest or interest based repayments.

 

Package and save!

You could get discounted interest rates and fees  with a Fixed Rate Home Loan as part of your BankSA Advantage Package – a package deal for your home loan, credit card and transaction account4

For homes or vacant land

Available to owners and investors for homes or vacant land purchase

Great features!

Features include discounted rates, redraw2, rate lock, repayment pause and more!

Compare

Discover your borrowing power!

Fees
Save when you package your home loan, selected credit card and transaction account with Advantage Package, an annual package fee of $395 applies.
Establishment fee
Monthly Administration fee
Other fees and charges apply. See a complete list of fees for loan accounts.
Interest rates
Get an Advantage Package6 discount on Balances $150,000+
Term Annual rate Comparison rate5 (secured loan) Advantage Package6 Discount Fixed Rate with Advantage Package6 Comparison rate5
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.

Repayment options for Fixed Rate Home Loans
Frequency Choose either:
  • Principal and interest repayments, or
  • Interest based repayments
  Weekly Fortnightly Monthly
Loans with Principal and interest repayments      
 Interest based loans      
Learn more:
Additional payments
  • Make additional repayments of up to $10,000 each year on your Fixed Rate Home Loan or break costs may apply
  • Calculate what you could save by making extra payments.
Automatic repayments Set up convenient automatic repayments from your nominated account
Interest in advance On investment loans, choose to pay interest in advance and get a discounted rate of 0.2% p.a. off the standard fixed interest rate1
Choose the features you need
Package and save!
Redraw
  • Get access to the extra repayments you make by requesting a maximum redraw of $10,000 each year.2 Break costs may become payable for redraw requests in excess of this amount.
  • You could save on redraw fees.2 by making your request over the phone or via Internet Banking
Lock in a fixed interest rate
  • Rate lock lets you secure an advertised Fixed Interest Rate for up to 3 months before your new Fixed Rate Home Loan settles or the interest rate period on your current St.George home loan ends2
Family Pledge
  • With Family Pledge you can reduce or even avoid paying Lenders Mortgage Insurance when a parent or family member guarantees part of your home loan by using his or her own home’s equity to provide additional security for a portion of your loan account
Consider splitting your loan
Repayment Pause
Deposit Protect Bond
  • Use a Deposit Protect Bond instead of paying a cash deposit immediately, and keep earning interest on your deposit money right up until settlement.
  • Also ideal when using equity in an existing property to finance your purchase.

Apply online

Apply online. It takes just 15 minutes!

Enquire online

Enquire now and a BankSA home loan expert will call at your preferred time

Call us

13 13 76. To talk with a BankSA home loan expert, say “New Mortgage” when prompted.

Visit a branch

Find your nearest branch

What you’ll need to apply

 

Tips

How to apply

Important information

BankSA’s normal lending criteria apply. Conditions and fees apply and may change.

Before making a decision, it’s best to read the terms and conditions.

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

Conditions and fees apply. BankSA, a division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 issues the products on this website. The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 13 76 Monday to Saturday 7.30am - 7.30pm.

1A discount of 0.20% p.a. will apply only if the interest in advance amount is deducted from a BankSA transaction account.
2Redraw, repayment pause and rate lock requests are subject to our approval. Fees apply.
3Other upfront fees and costs may apply.
4Advantage Package annual fee of $395 applies, other fees may be payable.  The fee savings apply for the duration of the package. Contact BankSA to see if you are eligible to receive Advantage Package benefits.
5The comparison rate is based on a loan of $150,000 over a 25 year term.  After the fixed rate period expires the interest rate will revert to the relevant Standard Variable rate. 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.
6The 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.