BankSA · Owner-occupier · Updated September 2026

BankSA Owner-occupier Home Loans, September 2026

BankSA lists 24 owner occupier home loans in the Ratesniffers index today. The lowest is 6.29% p.a., on Basic Home Loan Promotional Rate <70% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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BankSA owner occupier home loan rates, September 2026

BankSABasic Home Loan Promotional Rate <70% LVR Owner Occupied P&I

VariableRedraw

Interest

6.29%p.a.

Comparison*

Not available

Est. repayment

$3,092

LVR ≤70%

Enquire

BankSABasic Home Loan Promotional Rate 70% - 80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.39%p.a.

Comparison*

Not available

Est. repayment

$3,124

LVR 70 to 80%

Enquire

BankSAAdvantage Package 2 Year Fixed <70% LVR Owner Occupied IO

2y Fixed

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤70%

Enquire

BankSABasic Home Loan Promotional Rate >80% LVR Owner Occupied P&I

VariableRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 80 to 95%

Enquire

BankSAAdvantage Package 2 Year Fixed <70% LVR Owner Occupied IO

2y Fixed

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤70%

Enquire

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

BankSABasic Variable Home Loan

VariableRedraw

Interest

6.39%p.a.

Comparison*

6.75%p.a.

Est. repayment

$3,124

LVR 70 to 80%

Enquire

BankSAAdvantage Package 1 Year Fixed <70% LVR Owner Occupied IO

1y Fixed

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR ≤70%

Enquire

BankSAAdvantage Package 2 Year Fixed 70% - 80% LVR Owner Occupied IO

2y Fixed

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR 70 to 80%

Enquire

BankSAAdvantage Package 1 Year Fixed <70% LVR Owner Occupied IO

1y Fixed

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR ≤70%

Enquire

BankSAAdvantage Package 2 Year Fixed 70% - 80% LVR Owner Occupied IO

2y Fixed

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR 70 to 80%

Enquire

BankSABasic Variable Home Loan

VariableRedraw

Interest

6.39%p.a.

Comparison*

6.84%p.a.

Est. repayment

$3,124

LVR 70 to 80%

Enquire

BankSAFixed Rate Home Loan

2y FixedRedraw

Interest

6.44%p.a.

Comparison*

6.84%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

BankSAFixed Rate Home Loan

1y FixedRedraw

Interest

6.54%p.a.

Comparison*

6.86%p.a.

Est. repayment

$3,174

LVR 70 to 80%

Enquire

BankSAAdvantage Package 1 Year Fixed 70% - 80% LVR Owner Occupied IO

1y Fixed

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR 70 to 80%

Enquire

BankSAAdvantage Package 3 Year Fixed <70% LVR Owner Occupied IO

3y Fixed

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR ≤70%

Enquire

BankSA2 Year Fixed <70% LVR Owner Occupied IO

2y FixedRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR ≤70%

Enquire

BankSAAdvantage Package 1 Year Fixed 70% - 80% LVR Owner Occupied IO

1y Fixed

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR 70 to 80%

Enquire

BankSAAdvantage Package 3 Year Fixed <70% LVR Owner Occupied IO

3y Fixed

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR ≤70%

Enquire

BankSAFixed Rate Home Loan

3y FixedRedraw

Interest

6.64%p.a.

Comparison*

6.90%p.a.

Est. repayment

$3,207

LVR 70 to 80%

Enquire

BankSAFixed Rate Home Loan

1y FixedRedraw

Interest

6.79%p.a.

Comparison*

6.90%p.a.

Est. repayment

$3,256

LVR 70 to 80%

Enquire

BankSAFixed Rate Home Loan

2y FixedRedraw

Interest

6.69%p.a.

Comparison*

6.91%p.a.

Est. repayment

$3,223

LVR 70 to 80%

Enquire

BankSAFixed Rate Home Loan

4y FixedRedraw

Interest

6.79%p.a.

Comparison*

6.96%p.a.

Est. repayment

$3,256

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

*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 · Owner-occupier

BankSA owner-occupier home loans, what to weigh

BankSA's owner-occupier panel, P&I and offset-eligible products at every LVR band, ranked sharpest-first by comparison rate. 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 owner-occupier option has the same price.