Lenders › BankSA › Fixed Rate Home Loan
BankSA · Home loans
Fixed Rate Home Loan
BankSA's Fixed Rate 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 18 September 2026, up from 6.34% to 6.74%.
Advertised rate
6.74%
headline tier
Comparison rate
7.02%
as published
Last moved
+0.40pp
18 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (110)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I, LVR up to 70%, package | 6.74% | 7.02% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 70%, package | 6.74% | 7.03% |
| Fixed 1 year, Investor, P&I, LVR up to 70%, package | 6.84% | 7.21% |
| Fixed 1 year, Owner occupier, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 6.84% | 7.12% |
| Fixed 2 years, Investor, P&I, LVR up to 70%, package | 6.84% | 7.21% |
| Fixed 2 years, Owner occupier, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 6.84% | 7.13% |
| Fixed 1 year, Investor, Interest only, LVR up to 70%, package | 6.94% | 7.21% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 70% | 6.94% | 8.86% |
| Fixed 1 year, Investor, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 6.94% | 7.31% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 70% | 6.94% | 8.65% |
| Fixed 2 years, Investor, Interest only, LVR up to 70%, package | 6.94% | 7.22% |
| Fixed 2 years, Investor, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 6.94% | 7.31% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 70%, package | 6.94% | 7.10% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 70%, package | 7.04% | 7.05% |
| Fixed 1 year, Investor, P&I, LVR up to 70% | 7.04% | 9.37% |
| Fixed 1 year, Investor, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.04% | 7.31% |
| Fixed 1 year, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.04% | 8.96% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 70%, package | 7.04% | 7.08% |
| Fixed 2 years, Investor, P&I, LVR up to 70% | 7.04% | 9.11% |
| Fixed 2 years, Investor, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.04% | 7.32% |
| Fixed 2 years, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.04% | 8.75% |
| Fixed 3 years, Owner occupier, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.04% | 7.20% |
| Fixed 3 years, Investor, P&I, LVR up to 70%, package | 7.09% | 7.28% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 70%, package | 7.09% | 7.18% |
| Fixed 1 year, Investor, Interest only, LVR up to 70% | 7.14% | 9.38% |
| Fixed 1 year, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.14% | 9.46% |
| Fixed 1 year, Owner occupier, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.14% | 7.15% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.14% | 7.42% |
| Fixed 2 years, Investor, Interest only, LVR up to 70% | 7.14% | 9.13% |
| Fixed 2 years, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.14% | 9.21% |
| Fixed 2 years, Owner occupier, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.14% | 7.18% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.14% | 7.43% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 70% | 7.14% | 8.53% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 70%, package | 7.14% | 7.24% |
| Fixed 3 years, Investor, Interest only, LVR up to 70%, package | 7.19% | 7.30% |
| Fixed 3 years, Investor, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.19% | 7.38% |
| Fixed 4 years, Owner occupier, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.19% | 7.28% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 70% | 7.24% | 8.89% |
| Fixed 1 year, Investor, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.24% | 9.48% |
| Fixed 1 year, Investor, P&I, LVR 80 to 95%, packageLVR above 80% | 7.24% | 7.60% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 70% | 7.24% | 8.72% |
| Fixed 2 years, Investor, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.24% | 9.23% |
| Fixed 2 years, Investor, P&I, LVR 80 to 95%, packageLVR above 80% | 7.24% | 7.60% |
| Fixed 3 years, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.24% | 8.63% |
| Fixed 5 years, Owner occupier, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.24% | 7.34% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 70%, package | 7.29% | 7.18% |
| Fixed 3 years, Investor, P&I, LVR up to 70% | 7.29% | 8.96% |
| Fixed 3 years, Investor, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.29% | 7.39% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 70% | 7.29% | 8.44% |
| Fixed 1 year, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.34% | 8.99% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 90%, packageLVR above 80% | 7.34% | 7.61% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 7.34% | 9.25% |
| Fixed 2 years, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.34% | 8.81% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90%, packageLVR above 80% | 7.34% | 7.61% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 7.34% | 9.04% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.34% | 7.50% |
| Fixed 4 years, Investor, P&I, LVR up to 70%, package | 7.34% | 7.40% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 70% | 7.34% | 8.34% |
| Fixed 5 years, Investor, P&I, LVR up to 70%, package | 7.34% | 7.43% |
| Fixed 3 years, Investor, Interest only, LVR up to 70% | 7.39% | 8.99% |
| Fixed 3 years, Owner occupier, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.39% | 7.28% |
| Fixed 3 years, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.39% | 9.05% |
| Fixed 4 years, Investor, Interest only, LVR up to 70%, package | 7.39% | 7.39% |
| Fixed 4 years, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.39% | 8.53% |
| Fixed 5 years, Investor, Interest only, LVR up to 70%, package | 7.39% | 7.43% |
| Fixed 1 year, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.44% | 9.76% |
| Fixed 2 years, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.44% | 9.50% |
| Fixed 4 years, Investor, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.44% | 7.50% |
| Fixed 5 years, Investor, P&I, LVR 70 to 80%, packageLVR 70% up to 80% | 7.44% | 7.53% |
| Fixed 5 years, Owner occupier, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.44% | 8.43% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 70% | 7.49% | 8.64% |
| Fixed 3 years, Investor, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.49% | 9.09% |
| Fixed 3 years, Investor, P&I, LVR 80 to 95%, packageLVR above 80% | 7.49% | 7.68% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 70%, package | 7.49% | 7.31% |
| Fixed 4 years, Investor, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.49% | 7.49% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.49% | 7.58% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 70%, package | 7.49% | 7.36% |
| Fixed 5 years, Investor, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.49% | 7.53% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 90%LVR above 80% | 7.54% | 9.77% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90%LVR above 80% | 7.54% | 9.52% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 7.54% | 8.92% |
| Fixed 4 years, Investor, P&I, LVR up to 70% | 7.54% | 8.87% |
| Fixed 5 years, Investor, P&I, LVR up to 70% | 7.54% | 8.72% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 95%, packageLVR above 80% | 7.54% | 7.63% |
| Fixed 3 years, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.59% | 8.74% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90%, packageLVR above 80% | 7.59% | 7.69% |
| Fixed 4 years, Investor, Interest only, LVR up to 70% | 7.59% | 8.90% |
| Fixed 4 years, Owner occupier, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.59% | 7.41% |
| Fixed 5 years, Investor, Interest only, LVR up to 70% | 7.59% | 8.76% |
| Fixed 5 years, Owner occupier, Interest only, LVR 70 to 80%, packageLVR 70% up to 80% | 7.59% | 7.46% |
| Fixed 4 years, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.64% | 8.97% |
| Fixed 5 years, Investor, P&I, LVR 70 to 80%LVR 70% up to 80% | 7.64% | 8.82% |
| Fixed 3 years, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.69% | 9.35% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 70% | 7.69% | 8.59% |
| Fixed 4 years, Investor, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.69% | 9.00% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 7.69% | 8.83% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 70% | 7.69% | 8.50% |
| Fixed 5 years, Investor, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.69% | 8.86% |
| Fixed 4 years, Investor, P&I, LVR 80 to 95%, packageLVR above 80% | 7.74% | 7.80% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 95%LVR above 80% | 7.74% | 8.73% |
| Fixed 5 years, Investor, P&I, LVR 80 to 95%, packageLVR above 80% | 7.74% | 7.83% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90%LVR above 80% | 7.79% | 9.38% |
| Fixed 4 years, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.79% | 8.69% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 90%, packageLVR above 80% | 7.79% | 7.79% |
| Fixed 5 years, Owner occupier, Interest only, LVR 70 to 80%LVR 70% up to 80% | 7.79% | 8.60% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90%, packageLVR above 80% | 7.79% | 7.83% |
| Fixed 4 years, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.94% | 9.26% |
| Fixed 5 years, Investor, P&I, LVR 80 to 95%LVR above 80% | 7.94% | 9.11% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 90%LVR above 80% | 7.99% | 9.29% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90%LVR above 80% | 7.99% | 9.15% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Lending Establishment Feeupfront | $600 |
| Loan Account Feerecurring | $8 |
| 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 |
| Annual Advantage Package Feerecurring | $395 |
| Break Cost feewhen it happens: Break costs: $30,000 prepayment threshold for the entire fixed period without break costs or fees applying. | see lender |
| Fixed Rate - Lock-In Feewhen it happens: Rate Lock: BankSA will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks | see lender |
Other BankSA home loans
Basic Variable Home Loan 6.54%Variable Home Loan with Offset 6.64%Relocation Loan with end 9.54%Relocation Loan without end 9.54%
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