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BankSA

Fixed Rate Home Loan

Advertised Rate

2.04

% p.a

Fixed - 2 years

Comparison Rate*

4.26

% p.a

Maximum LVR
Less than 95%
Real Time Rating™

1.80

/ 5
Monthly Repayment

$1,277

based on $300,000 loan amount for 25 years at 2.04%

Advertised Rate

2.04

% p.a

Fixed - 2 years

Comparison Rate*

4.26

% p.a

Maximum LVR
Less than 95%
Real Time Rating™

1.80

/ 5
Monthly Repayment

$1,277

based on $300,000 loan amount for 25 years at 2.04%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,277

based on $300,000 loan amount for 25 years at 2.04%

BankSA home loans are available through brokers who can help find the right loan and manage your application at no charge.

Tony Harris

5.0
2 Reviews

Get expert advice from a home loans specialist.

A natural leader, innovator and developer of businesses and their people; Tony’s career over the last 40+ years has spanned Building and Construction, Property and Finance and Community Welfare and Charity. Tony is a serial entrepreneur and former corporate CEO, and for the last decade Tony’s focus has been in the finance industry with a strong bias towards property. Having worked as a mortgage and finance broker, Tony has also lent his expertise to advise and mentor other businesses to overcome challenges and thrive in a competitive and rapidly changing environment. Tony has a passion for Community Welfare and Charity events and founded the Bright Smiles Ride for Oral Health in Indigenous communities, he is a part of the Royal Flying Doctors Service Motorbike Ride and Car Trek which to date has raised over $30 million and he is a Board Member of the One Foundation. He has a proven track record of getting things done with unbridled enthusiasm and a commitment to help make a difference. Tony devotes the remainder of his time to being the best dad he can be, the greatest Grandfather of all time and to pursuing his life-long interest in horses. “I love talking about property and finance and love helping people see their full potential both personally and in their business. I’m always open to having a chat if you would like to reach out!”

NSW2000

ACL: 391823

Tedjo Hadiwidjojo

5.0
14 Reviews

Get expert advice from a home loans specialist.

An experienced mortgage broker with over 15 years in the finance industry, dedicating to finding the right loan product from a wide range of lenders to meet your lending requirement. I pride myself to provide Speed, Convenience and adding Value to my clients. Buying property whether it’s your home or investment comes with complex choices and can be daunting. There are a lot of variables to consider when choosing the right loans. With my experience as a mortgage broker and an investor myself, I will recommend you the best lender and guide you through the process to get you the best possible loan option and lending rates.

VIC3131

CRN: 517245

Promoted

Quick home loan review

For Fixed Rate Home Loan (Principal and Interest) 2 Years

These are the benefits of this home loan.

  • Interest rates ranked in the best 20%
  • Suitable for low deposits
  • Redraw facility available
  • Parents can sign as guarantor
  • Extra repayments and redraw facility
  • Split account option

These are the drawbacks of this home loan.

  • Limited extra repayments
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Higher than average upfront fee
  • Discharge fee at end of loan

Home loan overview

For Fixed Rate Home Loan (Principal and Interest) 2 Years

Details

Maximum LVR

Less than 95%

Total Repayments

Next LVR

Interest rate type

Fixed - 2 years

Borrowing range

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Yes - limited to $10000

Redraw facility

Redraw fee: $10

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

1,038

Application fee

600

Valuation fee

$164

Settlement fee

100

Other upfront fee

174

Ongoing fee

$10 monthly

Discharge fee

350

Application method

Online

Phone

In branch

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FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $150k to $99,999,999.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 94.99 percent, which means it requires a minimum deposit of 5.01 percent

What's the maximum length for this loan?

BankSA allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

BankSA allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $1,038 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $10 if you need to use it.

Where can you apply for this loan?

BankSA makes it possible to apply for this product online. Apply here.

Can a broker help me with this loan?

Yes, this BankSA loan is available through a broker. Find a broker to help you with your needs.