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Check out our current Home Loan offers below!

Get up to $5K cashback when you refinance*

Switch your home loan to BankSA and you could get our Corporate Partners bonus $1,000 refinance cashback* when you apply by 31 August 2022 and settle by 30 November 2022. This is on top of our standard $4,000 refinance cashback* with an LVR+ up to 80%. Apply by 31 July 2022 and settle by 31 October 2022. Both offers available on Basic Home Loans and Advantage Package# ($395 annual fee applies). Min loan amount $200k. Excludes refinances within the Westpac Group.

You could get a $1K New Purchase cashback*

Exclusive to our Corporate Partners.

First purchase application only. Apply by 31 August 2022 and settle by 30 November 2022.

Offer available on Basic Home Loans and Advantage Package# ($395 annual fee applies). Min loan amount $200k. 

Important information

Credit criteria, fees and charges apply. Based on BankSA credit criteria, residential lending is not available for Non-Australian resident borrowers.

Before making a decision, it's best to read the terms and conditions:

Residential Loan Agreement – General Terms and Conditions (PDF 439KB)

Loan Accounts – Charges for specific services and accounts (PDF 77KB)

Advantage Package - Terms and Conditions (PDF 230KB)

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

*Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. $4K refinance cashback: Apply between 8 December 2021 to 31 July 2022 and settle by 31 October 2022. Min loan amount $200k and LVR up to 80%. Limit of one $4,000 cashback payment per primary applicant per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Corporate Partners bonus $1K new purchase or refinance cashback: Apply between 1 August 2021 to 31 August 2022 and settle by 30 November 2022. Min loan amount $200k and no LVR requirements. Offer available to Corporate Partners’ members and employees. Eligibility of the primary applicant must be confirmed at the start of the application. Offers may be varied or withdrawn at any time. Offers available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Only one $1,000 bonus new purchase or refinance cashback will be paid for the first application. Excludes Owner Occupier Interest Only, loans originated through a mortgage broker, introducer, paid referrer (Mortgage Alliance), residential lending originated under family or company trusts and refinances within Westpac Group (which includes refinances from Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into an open BankSA 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. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. 

#Advantage Package Terms & Conditions (PDF 230KB) apply. A $395 annual package fee applies and is payable from a BankSA Complete Freedom transaction account. Before deciding to open a BankSA Complete Freedom account, read the Terms & Conditions, and consider if the account’s right for you. 

+LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the banks valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan. Any applicable LVR discount has been included in the advertised eligible rate.