BankSA · Refinance · Updated November 2026

BankSA Refinance Home Loans, November 2026

BankSA lists 24 refinance home loans in the Ratesniffers index today. The lowest is 6.54% 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 refinance home loan rates, November 2026

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

VariableRedraw

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR ≤70%

Enquire

BankSABasic Variable Home Loan

VariableRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR 70 to 80%

Enquire

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

VariableRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR 70 to 80%

Enquire

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

VariableRedraw

Interest

6.94%p.a.

Comparison*

Not available

Est. repayment

$3,306

LVR 80 to 95%

Enquire

BankSAAdvantage Package <70% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

7.00%p.a.

Est. repayment

$3,207

LVR ≤70%

Enquire

BankSAAdvantage Package <70% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.64%p.a.

Comparison*

7.00%p.a.

Est. repayment

$3,207

LVR ≤70%

Enquire

BankSAAdvantage Package 1 Year Fixed <70% LVR Owner Occupied P&I

1y Fixed

Interest

6.74%p.a.

Comparison*

7.01%p.a.

Est. repayment

$3,240

LVR ≤70%

Enquire

BankSAAdvantage Package 1 Year Fixed <70% LVR Owner Occupied P&I

1y Fixed

Interest

6.74%p.a.

Comparison*

7.01%p.a.

Est. repayment

$3,240

LVR ≤70%

Enquire

BankSAAdvantage Package 2 Year Fixed <70% LVR Owner Occupied P&I

2y Fixed

Interest

6.74%p.a.

Comparison*

7.02%p.a.

Est. repayment

$3,240

LVR ≤70%

Enquire

BankSAAdvantage Package 2 Year Fixed <70% LVR Owner Occupied P&I

2y Fixed

Interest

6.74%p.a.

Comparison*

7.02%p.a.

Est. repayment

$3,240

LVR ≤70%

Enquire

BankSAFixed Rate Home Loan

1y FixedRedraw

Interest

7.04%p.a.

Comparison*

6.90%p.a.

Est. interest only / month

$2,933

LVR 70 to 80%

Based on a $500,000 balance

Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

BankSAFixed Rate Home Loan

2y FixedRedraw

Interest

7.04%p.a.

Comparison*

6.91%p.a.

Est. interest only / month

$2,933

LVR 70 to 80%

Based on a $500,000 balance

Enquire

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

1y Fixed

Interest

7.04%p.a.

Comparison*

Not available

Est. interest only / month

$2,933

LVR ≤70%

Based on a $500,000 balance

Enquire

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

2y Fixed

Interest

7.04%p.a.

Comparison*

Not available

Est. interest only / month

$2,933

LVR ≤70%

Based on a $500,000 balance

Enquire

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

1y Fixed

Interest

7.04%p.a.

Comparison*

Not available

Est. interest only / month

$2,933

LVR ≤70%

Based on a $500,000 balance

Enquire

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

2y Fixed

Interest

7.04%p.a.

Comparison*

Not available

Est. interest only / month

$2,933

LVR ≤70%

Based on a $500,000 balance

Enquire

BankSAAdvantage Package 3 Year Fixed <70% LVR Owner Occupied P&I

3y Fixed

Interest

6.94%p.a.

Comparison*

7.09%p.a.

Est. repayment

$3,306

LVR ≤70%

Enquire

BankSAAdvantage Package 3 Year Fixed <70% LVR Owner Occupied P&I

3y Fixed

Interest

6.94%p.a.

Comparison*

7.09%p.a.

Est. repayment

$3,306

LVR ≤70%

Enquire

BankSAAdvantage Package 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

7.10%p.a.

Est. repayment

$3,240

LVR 70 to 80%

Enquire

BankSAAdvantage Package 70% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

7.10%p.a.

Est. repayment

$3,240

LVR 70 to 80%

Enquire

BankSAAdvantage Package 1 Year Fixed 70% - 80% LVR Owner Occupied P&I

1y Fixed

Interest

6.84%p.a.

Comparison*

7.11%p.a.

Est. repayment

$3,273

LVR 70 to 80%

Enquire

BankSAAdvantage Package 1 Year Fixed 70% - 80% LVR Owner Occupied P&I

1y Fixed

Interest

6.84%p.a.

Comparison*

7.11%p.a.

Est. repayment

$3,273

LVR 70 to 80%

Enquire

BankSAAdvantage Package 2 Year Fixed 70% - 80% LVR Owner Occupied P&I

2y Fixed

Interest

6.84%p.a.

Comparison*

7.12%p.a.

Est. repayment

$3,273

LVR 70 to 80%

Enquire

BankSAAdvantage Package 2 Year Fixed 70% - 80% LVR Owner Occupied P&I

2y Fixed

Interest

6.84%p.a.

Comparison*

7.12%p.a.

Est. repayment

$3,273

LVR 70 to 80%

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 · Refinance

BankSA refinance home loans, what to weigh

BankSA's refinance-eligible products. Compare against your existing rate plus exit costs. 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 refinance option has the same price.