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Home Loans

Home Loan Offer

Our most popular home loans, Low Doc options for the self employed, and home loans with specialist features for a range of circumstances.

Featured Home Loans

  • Standard Variable Rate Loan

    For a limited time, save 0.80% p.a. off our standard variable rate with Advantage Package for loans of $500,000 or more. 1

    • Switch your home loan to us and receive $700 towards your refinancing costs with Advantage Package of $150,000 or more#
    • Flexible repayment options
    Enquire now

  • Fixed Rate Home Loan

    Get 0.15% p.a. interest rate discount on our Fixed Rate Home Loan with Advantage Package

    • Choose a fixed rate of 1 to 5 years
    • Extra payments and redraw allowed up to $10,000 p.a.2
    Enquire now

Help me choose a

Have you considered

Home and contents insurance

Home and contents insurance

Peace of mind. Whether you’re a home owner or a landlord, we have levels of cover to choose from.

Home loan protection

Home Loan Protection

Your home loan commitments can be covered in the event you become sick or injured. .

Visa Debit Card

Visa Debit Card

A Visa Debit Card is not a credit card – it’s a debit card with no annual fee that gives you convenient access to funds in your transaction account.

 

Important Information

Conditions, fees and credit criteria apply.
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.
The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 13 13 76.

BT Funds Management Limited (ABN 63 002 916 458) is the trustee of BT Super for Life which is a part of Retirement Wrap (ABN 39 827 542 991) and is the issuer of interests in BT Super for Life. You can download a Product Disclosure Statement (PDS) , or obtain a copy by calling 1300 653 553 or visit any BankSA branch. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super for Life.

An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141, St.George Bank or BankSA (which are Divisions of Westpac), or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Neither Westpac nor any other company in the Westpac Group has issued, stands behind or otherwise guarantees the capital value or investment performance of BT Super for Life.

1 The 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.
# This offer is available on applications received from 21 March to 31 May 2012 and settled by 15 July 2012 under Advantage Package. You must hold a BankSA transaction account and have your loan repayments direct debited to this account to receive the payment. The $700 payment will be deposited into your nominated BankSA transaction account upon settlement of the loan. The $700 payment only applies to new personal or investment home loan applications for new secured borrowings of $150,000 or more where the loan purpose is to refinance. ^Offer is not available for loan refinances of existing BankSA, St.George and Bank of Melbourne home loans. Payment offer available to SA/NT residents only. An annual Advantage Package fee currently $395, applies. This offer is limited to one home loan application (including single or multiple applicants). Conditions, fees and charges apply and are available on request. All applications for credit are subject to BankSA’s prevailing credit criteria. BankSA – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.