BankSA home loan interest rates for owner-occupier principal & interest loans — 2 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-09-16.
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| Basic Home Loan (variable) auto-updated 2026-09-16 | 6.29% | — | 6.30% | Owner-occupier principal & interest at LVR up to 70% (the lowest band the brand publishes). Rate includes a 1.83% p.a. discount off the Basic home loan variable rate for new owner-occupier P&I loans. | — |
| Fixed Rate Home Loan (LVR up to 70%) | — | 1yr 6.64%2yr 6.54%3yr 6.74%4yr 6.89%5yr 6.89% | — | Owner-occupier principal & interest, LVR up to 70% (includes a 0.10% p.a. discount). A 0.30% p.a. margin applies on lending above 80% LVR. | — |
About BankSA
BankSA is the South Australian retail banking brand of Westpac Banking Corporation and shares the Westpac Group home loan rate card with Westpac, St.George and Bank of Melbourne.
- Website: www.banksa.com.au
- Contact: 13 13 76
Current BankSA rates: lowest variable 6.29%, lowest fixed 6.54%.
Rate source: https://www.banksa.com.au/personal/home-loans/home-loan-interest-rates.