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South Australia Investment Home Loans, June 2026

Sharpest investor rates for properties in SA, ranked by comparison rate. Interest-only and P&I, fixed and variable — framed against Adelaide median yields and the negative-gearing / CGT treatment that applies in SA.

Rates updated |1,211 products|85+ Australian lenders
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Editor's Pick · Ratesniffers Editorial Team

Top Home Loan Rates in June 2026

Top picks for investment home loans in South Australia — same 85+-lender panel, ranked sharpest-first (currently 5.74%).

Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Virgin MoneyVirgin Money Lite Home Loan
5.84%
5.86%
80%
Fixed rate
ME Bank - ME GoME Bank CompleteME Home Loan
5.89%
5.94%
80%
Interest only
ME Bank - ME GoME Bank CompleteME Home Loan
5.89%
5.94%
80%
ME Bank - ME Go logoOnline
ME Bank EconoME Home Loan
Investor3y FixedP&IRedrawExtra repayments$3,000 cashback
Cashback eligibility
  • Min loan $700,000
  • Max LVR 80%
  • Aggregate split refi loans to meet $700k minimum (same customer, same submission)
  • Mixed refi + purchase apps eligible — one $3k per application
  • Excludes BOQ Group refis + recipients of BOQ refi cashback in last 12 months
  • Offer ends 28 Aug 2026 · lender T&Cs
Interest
5.89%p.a.
Comparison*
5.94%p.a.
Monthly repayment
$2,962
LVR 70–80%
More details
Auswide Bank Ltd logo
BASIC HOME LOAN
InvestorVariableP&IRedrawExtra repayments
Interest
6.24%p.a.
20d ago
Comparison*
6.27%p.a.
Monthly repayment
$3,075
LVR —
More details
*Important Information and Comparison Rate Warning

This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

Investing in SA

What changes when you compare investor home loans in South Australia

Investor pricing on the panel above is national — your rate is the same buying in Adelaide as it is anywhere else. What changes in SA is the deal economics: median gross yields, land tax thresholds, and the rental-vacancy band most lenders use for serviceability. Interest-only loans (visible in the picks above) lift first-year after-tax cashflow when paired with negative gearing — but they shorten amortisation, so they only stack up if growth is doing the heavy lifting. Our property research arm scores every SA suburb on Growth / Yield / Risk before you commit to either.

See also our property cashflow calculator, Div 40 + Div 43 depreciation, and rental yield by bedroom. State land-tax bands: see your land tax calculator. Verified April 2026.