BankSA · Variable · Updated September 2026

BankSA Variable Home Loans, September 2026

BankSA lists 24 variable 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 variable 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

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

VariableRedraw

Interest

6.54%p.a.

Comparison*

Not available

Est. repayment

$3,174

LVR ≤70%

Enquire

BankSABasic Home Loan Promotional Rate 70% - 80% LVR Investment 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

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 80 to 95%

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

BankSABasic Variable Home Loan

VariableRedraw

Interest

6.69%p.a.

Comparison*

6.80%p.a.

Est. repayment

$3,223

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

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

BankSABasic Home Loan Promotional Rate <70% LVR Investment IO

VariableRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR ≤70%

Enquire

BankSABasic Home Loan Promotional Rate >80% LVR Investment 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 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

BankSABasic Home Loan Promotional Rate 70% - 80% LVR Investment IO

VariableRedraw

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

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

BankSABasic Variable Home Loan

VariableRedraw

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

*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 · Variable

BankSA variable home loans, what to weigh

Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.