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Basic Variable Home Loan
BankSA's Basic Variable Home Loan is a home loan. The figures are the ones BankSA publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 6.29% to 6.54%.
Advertised rate
6.54%
headline tier
Comparison rate
6.55%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 6.29% and 6.54% over the last 30 days.
Every current rate (11)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 70% | 6.54% | 6.55% |
| Variable, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 6.64% | 6.65% |
| Variable, Investor, P&I, LVR up to 70% | 6.79% | 6.80% |
| Variable, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 6.89% | 6.90% |
| Variable, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 6.94% | 6.95% |
| Variable, Investor, Interest only, LVR up to 70% | 7.14% | 6.95% |
| Variable, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.19% | 7.20% |
| Variable, Investor, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.24% | 7.05% |
| Variable, Owner occupier, Interest only, LVR up to 70% | 7.54% | 6.99% |
| Variable, Investor, Interest only, LVR 80 to 90%LVR above 80% | 7.54% | 7.36% |
| Variable, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.64% | 7.09% |
Rate moves, last 30 days
- 9 October 2026: 11 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 70%, from 6.29% to 6.54%.
Published fees
| Fee | Amount |
|---|---|
| Lending Establishment Feeupfront | $0 |
| Loan Account Feerecurring | $0 |
| Document Processing Feewhen it happens: The Settlement Processing Fee, is a fee charged as apart of the fees for Loan Establishment. | $100 |
| Property Valuer Feewhen it happens: Fee may be payable if a valuation is needed. | see lender |
| Missed Payment Feelate payment: Fee payable when we send customer an arrears letter relating to an overdue amount | $15 |
| Loan Discharge Feeon exit: Per Mortgage | $350 |
| Lenders Mortgage Insurance Premiumupfront: If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. | see lender |
Other BankSA home loans
Variable Home Loan with Offset 6.64%Fixed Rate Home Loan 6.74%Relocation Loan with end 9.54%Relocation Loan without end 9.54%
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