Compare Home loans in SA

Find home loans from a wide range of Australian lenders that best suit your needs, whether you're investing, refinancing or looking to buy your first home. Compare interest rates, mortgage repayments, fees and more. - Data last updated on 22 Jun 2018

Compare Home loans in SA

UHomeLoan Fixed (Principal and Interest) 3 Years
Advertised rate
3.74%
Fixed - 3 years
Comparison rate*
4.01%
Monthly repayment
$1,156
Real Time Rating™

3.51 / 5

Compare
UHomeLoan Fixed (Interest Only) 3 Years
Advertised rate
3.74%
Fixed - 3 years
Comparison rate*
4.01%
Monthly repayment
$1,156
Real Time Rating™

3.31 / 5

Compare
My Life Fixed Rate Package 2 Years
Advertised rate
3.69%
Fixed - 2 years
Comparison rate*
4.04%
Monthly repayment
$1,149
Real Time Rating™

3.9 / 5

Compare
My Life Fixed Rate Package 3 Years
Advertised rate
3.85%
Fixed - 3 years
Comparison rate*
4.05%
Monthly repayment
$1,172
Real Time Rating™

3.88 / 5

Compare
OMG Investment Loan (Principal and Interest)
Advertised rate
4.04%
Variable
Comparison rate*
4.08%
Monthly repayment
$1,199
Real Time Rating™

3.77 / 5

Compare
UHomeLoan Fixed (Principal and Interest) 5 Years
Advertised rate
4.09%
Fixed - 5 years
Comparison rate*
4.10%
Monthly repayment
$1,207
Real Time Rating™

3.27 / 5

Compare
UHomeLoan - Standard Variable (Principal and Interest)
Advertised rate
4.17%
Variable
Comparison rate*
4.10%
Monthly repayment
$1,218
Real Time Rating™

3.78 / 5

Compare
Basic Home Loan (LVR < 80%)
Advertised rate
4.09%
Variable
Comparison rate*
4.11%
Monthly repayment
$1,207
Real Time Rating™

3.87 / 5

Compare
UHomeLoan Fixed (Principal and Interest) 1 Year
Advertised rate
3.59%
Fixed - 1 year
Comparison rate*
4.14%
Monthly repayment
$1,135
Real Time Rating™

3.33 / 5

Compare
UHomeLoan Fixed (Interest Only) 1 Year
Advertised rate
3.59%
Fixed - 1 year
Comparison rate*
4.14%
Monthly repayment
$1,135
Real Time Rating™

3.24 / 5

Compare
Liberty Free Home Loan (LVR 60%-70%)
Advertised rate
4.14%
Variable
Comparison rate*
4.15%
Monthly repayment
$1,214
Real Time Rating™

4.06 / 5

Compare
Liberty Sharp Investment Loan (LVR < 60%)
Advertised rate
4.14%
Variable
Comparison rate*
4.21%
Monthly repayment
$1,214
Real Time Rating™

3.62 / 5

Compare
Discount Variable Investment Loan (Principal and Interest) (LVR<80%)
Advertised rate
4.19%
Variable
Comparison rate*
4.24%
Monthly repayment
$1,221
Real Time Rating™

3.75 / 5

Compare
Home Advantage Fixed Home Loan 2 Years
Advertised rate
3.79%
Fixed - 2 years
Comparison rate*
4.25%
Monthly repayment
$1,163
Real Time Rating™

4.17 / 5

Compare
Home Advantage Fixed Home Loan 1 Year
Advertised rate
3.89%
Fixed - 1 year
Comparison rate*
4.26%
Monthly repayment
$1,178
Real Time Rating™

4.12 / 5

Compare
Home Advantage Fixed Home Loan 3 Years
Advertised rate
3.89%
Fixed - 3 years
Comparison rate*
4.26%
Monthly repayment
$1,178
Real Time Rating™

4.12 / 5

Compare
UHomeLoan - Standard Variable (Interest Only)
Advertised rate
4.46%
Variable
Comparison rate*
4.39%
Monthly repayment
$1,261
Real Time Rating™

3.17 / 5

Compare
Base Variable Home Loan (Interest Only)
Advertised rate
4.70%
Variable
Comparison rate*
4.42%
Monthly repayment
$1,297
Real Time Rating™

2.79 / 5

Compare
Inv UHomeLoan Fixed 3 Years
Advertised rate
3.99%
Fixed - 3 years
Comparison rate*
4.44%
Monthly repayment
$1,192
Real Time Rating™

3.16 / 5

Compare
Extra Investment Loan (Principal and Interest)
Advertised rate
4.44%
Variable
Comparison rate*
4.45%
Monthly repayment
$1,258
Real Time Rating™

3.79 / 5

Compare
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Home loans in SA 

More than any other state in Australia, the majority of the South Australia population resides in the capital, Adelaide. The capital therefore experiences a high demand for property from people currently living in the state or intending to move to the area from other states. The South Australia economy fluctuates with the national and international economy and some local factors. The state government offers a variety of incentives to encourage people to build properties as well as tempting first home buyers into the property market.   

What do I need to know about the South Australia property market and economy?

Due to the availability of jobs, established industry, cultural and entertainment elements in South Australia’s capital, there is always a demand for property in this city. The state economy is dominated by agricultural, manufacturing and mining industries and can be affected by the volatility of these industries. The state’s rental market is usually strong with low vacancy rates. 

Why should I get a home loan in South Australia?

Basically for affordability, because prices for properties in and around the Adelaide area are often lower than those in comparable capital cities. In addition, due to demand these properties are usually easier to resell or rent. The South Australian government has also recently reduced the amount charged for stamp duty (see below) making it cheaper than ever before to own property in South Australia.

Are there any disadvantages to getting a home loan in South Australia?

The South Australia government has similar laws and regulations regarding home loans as other states in Australia. However, the economy can be heavily influenced by national and international impacts on the mining and agricultural industries and that may affect property prices and housing availability. Also, the state is subject to extreme weather and natural events, including fire, high temperatures and monsoon type rain events, and flooding. The risks vary with location so do your research before purchase.

What fees and charges will I have to pay?

Like all Australian states, if purchasing a property in South Australia in most cases you will have to pay a Stamp Duty on Transfer of Real Property and an annual Land Tax. The Stamp Duty can be a substantial amount and you should budget for it before applying for a home loan. It is calculated based on the value of the property and can often be in the tens of thousands of dollars. An Emergency Services Levy is also charged by the state government annually for each fixed property owned. You will also have to look into the ongoing rates and levies charged by the council region your property is located in.

Are there any grants or discounts I can apply for?

The South Australian government offers discounts and exemptions for people in special circumstances. These include if the property is transferred between married couples or domestic partners or if it is part of a deceased’s estate. The government also provides a First Home Owner Grant (FHOG) of between $5,000 and $20,000 for first home buyers who are purchasing or building a new property. There are many conditions attached to these grants and they are subject to change.  

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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