Our full-featured variable rate loan, with an offset account and redraw.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.13% | 7.31% | Variable · investment · interest only · LVR 70% or less | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 9.81% | 9.79% | Variable · investment · interest only · LVR 70% or less | Not compared in rate tables | CDR | 1 Nov 2026 |
| 7.23% | 7.41% | Variable · investment · interest only · LVR 70%–80% | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 9.91% | 9.89% | Variable · investment · interest only · LVR 70%–80% | Not compared in rate tables | CDR | 1 Nov 2026 |
| 7.53% | 7.71% | Variable · investment · interest only · LVR 80%–90% | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 10.21% | 10.19% | Variable · investment · interest only · LVR 80%–90% | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.84% | 7.21% | Variable · investment · principal and interest · LVR 70% or less | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 9.52% | 9.66% | Variable · investment · principal and interest · LVR 70% or less | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.94% | 7.31% | Variable · investment · principal and interest · LVR 70%–80% | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 9.62% | 9.76% | Variable · investment · principal and interest · LVR 70%–80% | Not compared in rate tables | CDR | 1 Nov 2026 |
| 7.24% | 7.60% | Variable · investment · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 9.92% | 10.06% | Variable · investment · principal and interest · LVR 80%–95% | Not compared in rate tables | CDR | 1 Nov 2026 |
| 7.23% | 7.25% | Variable · owner occupied · interest only · LVR 70% or less | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 9.54% | 9.36% | Variable · owner occupied · interest only · LVR 70% or less | Not compared in rate tables | CDR | 1 Nov 2026 |
| 7.33% | 7.35% | Variable · owner occupied · interest only · LVR 70%–80% | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 9.64% | 9.46% | Variable · owner occupied · interest only · LVR 70%–80% | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.64% | 7.01% | Variable · owner occupied · principal and interest · LVR 70% or less | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 8.95% | 9.09% | Variable · owner occupied · principal and interest · LVR 70% or less | Not compared in rate tables | CDR | 1 Nov 2026 |
| 6.74% | 7.11% | Variable · owner occupied · principal and interest · LVR 70%–80% | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 9.05% | 9.19% | Variable · owner occupied · principal and interest · LVR 70%–80% | Not compared in rate tables | CDR | 1 Nov 2026 |
| 7.04% | 7.41% | Variable · owner occupied · principal and interest · LVR 80%–95% | Package rate: an annual package fee usually applies Not compared in rate tables | CDR | 1 Nov 2026 |
| 9.35% | 9.49% | Variable · owner occupied · principal and interest · LVR 80%–95% | Not compared in rate tables | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAHLStandardVariable- Content hash
sha256 843b136de01dd6a7f73e4b7fc37fb01790dd4fed220bb2bc6995b65a7bcb45e6- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_843b136de01dd6a7_3ed45b82Show details
- Checked
- 1 Nov 2026
- URL
https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAHLStandardVariable- Content hash
sha256 843b136de01dd6a7f73e4b7fc37fb01790dd4fed220bb2bc6995b65a7bcb45e6- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Lending Establishment Fee | Upfront | $600.00 |
| Loan Account Fee | Periodic | $8.00 |
| Document Processing Fee | Event | $100.00 |
| Property Valuer Fee | Event | Set in your letter of offer |
| Missed Payment Fee | Late payment | $15.00 |
| Loan Discharge Fee | Exit | $350.00 |
| Lenders Mortgage Insurance Premium | Upfront | Set in your letter of offer |
| Annual Advantage Package Fee | Periodic | $395.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Take a break from repayments: You can apply for Reduced Repayments or a Repayment Holiday for a set term (keep in mind after the break your repayments may be higher for the rest of your loan term). | |
| Other | Option to split your loan: Make part of your loan a fixed interest rate and part a variable interest rate. | |
| Other | Family Pledge: You could use the equity in a family member's home to guarantee part of your home loan | |
| Complementary product discounts | Bundle & save: Get a special packaged home loan rate discount and no annual credit card fee (for the life of your package), for an all-in-one $395 annual package fee. | |
| Other | Option to Loan Split/Subsequent Loan Sequence | |
| Offset | Offset account: Full interest offset facility to help you save on interest on your home (fees apply). | |
| Redraw | Redraw freedom: Make unlimited additional repayments to pay off your loan sooner, then redraw the funds if you ever need to. | |
| Digital banking | ||
| Other | Building Loan Available feature | |
| Other | The product includes a combination loan feature. | |
| Other | The product provides options which includes reduced repayment, repayment holiday, portability and loan increase (top up) features | |
| Other | The product includes a Relocation Loan End Debt feature | |
| Other | The product includes Switching (from another product) feature | |
| Other | Loan Payment Method - Direct Credit, Direct Debit (preferred), Branch Payment, Internet or Phone Banking | |
| Other | Substituting a security: You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable requirements that we have, such as repaying part of the loan amount. We will require the new mortgage to be provided at the same time that the existing mortgage is discharged. We charge a fee for substituting a mortgage or other security. | |
| Other | Statements of account: We will send you a statement of your loan account at least every six months or more frequently if you request | |
| Other | Complete your refinance loan application with FASTRefi. A faster and easier refinancing process compared to the standard way - so you could access your new BankSA home loan in days, as opposed to weeks. Eligibility applies. | |
| Other | You may cancel your package at any time by giving us a written request (a form to cancel your package is available on request). Your package will be cancelled, and all benefits will cease, when we receive your written request. If you or we cancel your package, you will not receive any package benefits from the date of cancellation. You may keep all your accounts which will continue to be governed by the product terms and conditions that apply to them. | |
| Extra repayments | The product includes extra repayment features. | |
| Fraud protection | The product includes fraud protection features. | |
| Guarantor | Subject to terms and conditions, this product includes guarantor features. | |
| Relationship management | Relationship management is available for eligible customers. | |
| Eligibility: min age | 18 | Applicant should be 18 years or over |
| Eligibility: residency status | Should be an Australian or New Zealand citizen(s) or permanent resident(s) | |
| Eligibility: other | Individuals, Trusts (individual and company trustees), Company, Partnership | |
| Limit: min lvr | 0.00 | |
| Limit: max lvr | 0.95 | |
| Limit: min limit | 10000.00 | |
| Limit: other | ||
| Limit: other | ||
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.23% | 7.41% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 9.62% | 9.76% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 9.64% | 9.46% |
| Variable · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 7.13% | 7.31% |
| Variable · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 7.04% | 7.41% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.74% | 7.11% |
| Variable · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 9.81% | 9.79% |
| Variable · investment · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 9.92% | 10.06% |
| Variable · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.84% | 7.21% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.33% | 7.35% |
| Variable · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.64% | 7.01% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 9.91% | 9.89% |
| Variable · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 9.35% | 9.49% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 9.05% | 9.19% |
| Variable · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 9.52% | 9.66% |
| Variable · investment · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 7.24% | 7.60% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.94% | 7.31% |
| Variable · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 9.54% | 9.36% |
| Variable · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 7.23% | 7.25% |
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 10.21% | 10.19% |
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.53% | 7.71% |
| Variable · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 8.95% | 9.09% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
rate-selected-by-free-text | Reason this product is not ranked | |
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