BankSA · Offset · Updated September 2026

BankSA Offset Account Home Loans, September 2026

BankSA lists 19 offset home loans in the Ratesniffers index today. The lowest is 6.39% p.a. (comparison rate 6.75% p.a.), on Variable Home Loan with Offset. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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BankSA offset home loan rates, September 2026

BankSAVariable Home Loan with Offset

VariableOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.75%p.a.

Est. repayment

$3,124

LVR 70 to 80%

Enquire

BankSAAdvantage Package <70% LVR Investment IO

VariableOffsetRedraw

Interest

6.88%p.a.

Comparison*

Not available

Est. repayment

$3,286

LVR ≤70%

Enquire

BankSAAdvantage Package <70% LVR Investment IO

VariableOffsetRedraw

Interest

6.88%p.a.

Comparison*

Not available

Est. repayment

$3,286

LVR ≤70%

Enquire

BankSAAdvantage Package <70% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR ≤70%

Enquire

BankSAAdvantage Package 70% - 80% LVR Investment IO

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR 70 to 80%

Enquire

BankSAAdvantage Package <70% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR ≤70%

Enquire

BankSAAdvantage Package 70% - 80% LVR Investment IO

VariableOffsetRedraw

Interest

6.98%p.a.

Comparison*

Not available

Est. repayment

$3,320

LVR 70 to 80%

Enquire

BankSAVariable Home Loan with Offset

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

7.00%p.a.

Est. repayment

$3,207

LVR 70 to 80%

Enquire

BankSAAdvantage Package 70% - 80% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

7.08%p.a.

Comparison*

Not available

Est. repayment

$3,353

LVR 70 to 80%

Enquire

BankSAAdvantage Package 70% - 80% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

7.08%p.a.

Comparison*

Not available

Est. repayment

$3,353

LVR 70 to 80%

Enquire

BankSAVariable Home Loan with Offset

VariableOffsetRedraw

Interest

6.39%p.a.

Comparison*

7.10%p.a.

Est. repayment

$3,124

LVR 70 to 80%

Enquire

BankSAVariable Home Loan with Offset

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

7.16%p.a.

Est. repayment

$3,223

LVR 70 to 80%

Enquire

BankSAAdvantage Package >80% LVR Investment IO

VariableOffsetRedraw

Interest

7.28%p.a.

Comparison*

Not available

Est. repayment

$3,421

LVR 80 to 90%

Enquire

BankSAAdvantage Package >80% LVR Investment IO

VariableOffsetRedraw

Interest

7.28%p.a.

Comparison*

Not available

Est. repayment

$3,421

LVR 80 to 90%

Enquire

BankSAStandard Variable <70% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

9.29%p.a.

Comparison*

Not available

Est. repayment

$4,128

LVR ≤70%

Enquire

BankSAStandard Variable 70% - 80% LVR Owner Occupied IO

VariableOffsetRedraw

Interest

9.39%p.a.

Comparison*

Not available

Est. repayment

$4,164

LVR 70 to 80%

Enquire

BankSAStandard Variable <70% LVR Investment IO

VariableOffsetRedraw

Interest

9.56%p.a.

Comparison*

Not available

Est. repayment

$4,226

LVR ≤70%

Enquire

BankSAStandard Variable 70% - 80% LVR Investment IO

VariableOffsetRedraw

Interest

9.66%p.a.

Comparison*

Not available

Est. repayment

$4,263

LVR 70 to 80%

Enquire

BankSAStandard Variable >80% LVR Investment IO

VariableOffsetRedraw

Interest

9.96%p.a.

Comparison*

Not available

Est. repayment

$4,373

LVR 80 to 90%

Enquire

*Important Information and Comparison Rate Warning

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.

BankSA · Offset

BankSA offset home loans, what to weigh

100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.