Home loan · 1yr Fixed
Fixed Rate Home Loan
Rate
Loan for
Repayments
Deposit
7.42%comparison rate p.a. · 7.14% advertised · With the Advantage Package · $395 a year
1yr Fixed · P&I · Owner-occupier · 80–95% LVR
44th of 50 1-year fixed owner-occupier P&I loans
The same choices at every rate type
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- 1yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 7.02% comparison · 6.74% advertised
- 1yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 7.12% comparison · 6.84% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.42% comparison · 7.14% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 7.05% comparison · 7.04% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.15% comparison · 7.14% advertised
- 1yr Fixed · P&I · Investor · ≤70% LVR
- 7.21% comparison · 6.84% advertised
- 1yr Fixed · P&I · Investor · 70–80% LVR
- 7.31% comparison · 6.94% advertised
- 1yr Fixed · P&I · Investor · 80–95% LVR
- 7.60% comparison · 7.24% advertised
- 1yr Fixed · Interest Only · Investor · ≤70% LVR
- 7.21% comparison · 6.94% advertised
- 1yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.31% comparison · 7.04% advertised
- 1yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.61% comparison · 7.34% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 7.03% comparison · 6.74% advertised
- 2yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 7.13% comparison · 6.84% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.43% comparison · 7.14% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 7.08% comparison · 7.04% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.18% comparison · 7.14% advertised
- 2yr Fixed · P&I · Investor · ≤70% LVR
- 7.21% comparison · 6.84% advertised
- 2yr Fixed · P&I · Investor · 70–80% LVR
- 7.31% comparison · 6.94% advertised
- 2yr Fixed · P&I · Investor · 80–95% LVR
- 7.60% comparison · 7.24% advertised
- 2yr Fixed · Interest Only · Investor · ≤70% LVR
- 7.22% comparison · 6.94% advertised
- 2yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.32% comparison · 7.04% advertised
- 2yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.61% comparison · 7.34% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 7.10% comparison · 6.94% advertised
- 3yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 7.20% comparison · 7.04% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.50% comparison · 7.34% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 7.18% comparison · 7.29% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.28% comparison · 7.39% advertised
- 3yr Fixed · P&I · Investor · ≤70% LVR
- 7.28% comparison · 7.09% advertised
- 3yr Fixed · P&I · Investor · 70–80% LVR
- 7.38% comparison · 7.19% advertised
- 3yr Fixed · P&I · Investor · 80–95% LVR
- 7.68% comparison · 7.49% advertised
- 3yr Fixed · Interest Only · Investor · ≤70% LVR
- 7.30% comparison · 7.19% advertised
- 3yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.39% comparison · 7.29% advertised
- 3yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.69% comparison · 7.59% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 7.18% comparison · 7.09% advertised
- 4yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 7.28% comparison · 7.19% advertised
- 4yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.58% comparison · 7.49% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 7.31% comparison · 7.49% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.41% comparison · 7.59% advertised
- 4yr Fixed · P&I · Investor · ≤70% LVR
- 7.40% comparison · 7.34% advertised
- 4yr Fixed · P&I · Investor · 70–80% LVR
- 7.50% comparison · 7.44% advertised
- 4yr Fixed · P&I · Investor · 80–95% LVR
- 7.80% comparison · 7.74% advertised
- 4yr Fixed · Interest Only · Investor · ≤70% LVR
- 7.39% comparison · 7.39% advertised
- 4yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.49% comparison · 7.49% advertised
- 4yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.79% comparison · 7.79% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 7.24% comparison · 7.14% advertised
- 5yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 7.34% comparison · 7.24% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.63% comparison · 7.54% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 7.36% comparison · 7.49% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 7.46% comparison · 7.59% advertised
- 5yr Fixed · P&I · Investor · ≤70% LVR
- 7.43% comparison · 7.34% advertised
- 5yr Fixed · P&I · Investor · 70–80% LVR
- 7.53% comparison · 7.44% advertised
- 5yr Fixed · P&I · Investor · 80–95% LVR
- 7.83% comparison · 7.74% advertised
- 5yr Fixed · Interest Only · Investor · ≤70% LVR
- 7.43% comparison · 7.39% advertised
- 5yr Fixed · Interest Only · Investor · 70–80% LVR
- 7.53% comparison · 7.49% advertised
- 5yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.83% comparison · 7.79% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Package (Advantage Package)
- $395 a year
- Rate without the package
- 6.94%
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- Yes
- Repayment holiday
- Yes
- Minimum loan
- $10,000
- Maximum loan
- $2,000,000
- Fixed Rate Home Loan · 1yr Fixed · P&I · Owner-occupier
- RBA cash rate
October 20262 changes
- 9Fri
- 55 variants up 0.13 to 0.229 days after the RBA rise to 4.60%+0.13 to +0.22
1yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.80 7.02 +0.22 1yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.90 7.12 +0.22 1yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.20 7.42 +0.22 1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 6.83 7.05 +0.22 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 6.93 7.15 +0.22 1yr Fixed · P&I · Investor · ≤70% LVR 6.99 7.21 +0.22 1yr Fixed · P&I · Investor · 70–80% LVR 7.09 7.31 +0.22 1yr Fixed · P&I · Investor · 80–95% LVR 7.38 7.60 +0.22 1yr Fixed · Interest Only · Investor · ≤70% LVR 6.99 7.21 +0.22 1yr Fixed · Interest Only · Investor · 70–80% LVR 7.09 7.31 +0.22 1yr Fixed · Interest Only · Investor · 80–90% LVR 7.39 7.61 +0.22 2yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.84 7.03 +0.19 2yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.93 7.13 +0.20 2yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.23 7.43 +0.20 2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 6.88 7.08 +0.20 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 6.98 7.18 +0.20 2yr Fixed · P&I · Investor · ≤70% LVR 7.01 7.21 +0.20 2yr Fixed · P&I · Investor · 70–80% LVR 7.11 7.31 +0.20 2yr Fixed · P&I · Investor · 80–95% LVR 7.41 7.60 +0.19 2yr Fixed · Interest Only · Investor · ≤70% LVR 7.02 7.22 +0.20 2yr Fixed · Interest Only · Investor · 70–80% LVR 7.12 7.32 +0.20 2yr Fixed · Interest Only · Investor · 80–90% LVR 7.42 7.61 +0.19 3yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.92 7.10 +0.18 3yr Fixed · P&I · Owner-occupier · 70–80% LVR 7.02 7.20 +0.18 3yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.32 7.50 +0.18 3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 7.01 7.18 +0.17 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.11 7.28 +0.17 3yr Fixed · P&I · Investor · ≤70% LVR 7.11 7.28 +0.17 3yr Fixed · P&I · Investor · 70–80% LVR 7.21 7.38 +0.17 3yr Fixed · P&I · Investor · 80–95% LVR 7.51 7.68 +0.17 3yr Fixed · Interest Only · Investor · ≤70% LVR 7.12 7.30 +0.18 3yr Fixed · Interest Only · Investor · 70–80% LVR 7.22 7.39 +0.17 3yr Fixed · Interest Only · Investor · 80–90% LVR 7.52 7.69 +0.17 4yr Fixed · P&I · Owner-occupier · ≤70% LVR 7.03 7.18 +0.15 4yr Fixed · P&I · Owner-occupier · 70–80% LVR 7.12 7.28 +0.16 4yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.42 7.58 +0.16 4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 7.15 7.31 +0.16 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.25 7.41 +0.16 4yr Fixed · P&I · Investor · ≤70% LVR 7.24 7.40 +0.16 4yr Fixed · P&I · Investor · 70–80% LVR 7.34 7.50 +0.16 4yr Fixed · P&I · Investor · 80–95% LVR 7.64 7.80 +0.16 4yr Fixed · Interest Only · Investor · ≤70% LVR 7.24 7.39 +0.15 4yr Fixed · Interest Only · Investor · 70–80% LVR 7.34 7.49 +0.15 4yr Fixed · Interest Only · Investor · 80–90% LVR 7.64 7.79 +0.15 5yr Fixed · P&I · Owner-occupier · ≤70% LVR 7.10 7.24 +0.14 5yr Fixed · P&I · Owner-occupier · 70–80% LVR 7.20 7.34 +0.14 5yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.50 7.63 +0.13 5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 7.22 7.36 +0.14 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.32 7.46 +0.14 5yr Fixed · P&I · Investor · ≤70% LVR 7.30 7.43 +0.13 5yr Fixed · P&I · Investor · 70–80% LVR 7.40 7.53 +0.13 5yr Fixed · P&I · Investor · 80–95% LVR 7.70 7.83 +0.13 5yr Fixed · Interest Only · Investor · ≤70% LVR 7.29 7.43 +0.14 5yr Fixed · Interest Only · Investor · 70–80% LVR 7.39 7.53 +0.14 5yr Fixed · Interest Only · Investor · 80–90% LVR 7.69 7.83 +0.14
- 8Thu
- Application fee $600 → $0 on 55 variants−$600
1yr Fixed · P&I · Owner-occupier · ≤70% LVR $600 $0 −$600 1yr Fixed · P&I · Owner-occupier · 70–80% LVR $600 $0 −$600 1yr Fixed · P&I · Owner-occupier · 80–95% LVR $600 $0 −$600 1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR $600 $0 −$600 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR $600 $0 −$600 1yr Fixed · P&I · Investor · ≤70% LVR $600 $0 −$600 1yr Fixed · P&I · Investor · 70–80% LVR $600 $0 −$600 1yr Fixed · P&I · Investor · 80–95% LVR $600 $0 −$600 1yr Fixed · Interest Only · Investor · ≤70% LVR $600 $0 −$600 1yr Fixed · Interest Only · Investor · 70–80% LVR $600 $0 −$600 1yr Fixed · Interest Only · Investor · 80–90% LVR $600 $0 −$600 2yr Fixed · P&I · Owner-occupier · ≤70% LVR $600 $0 −$600 2yr Fixed · P&I · Owner-occupier · 70–80% LVR $600 $0 −$600 2yr Fixed · P&I · Owner-occupier · 80–95% LVR $600 $0 −$600 2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR $600 $0 −$600 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR $600 $0 −$600 2yr Fixed · P&I · Investor · ≤70% LVR $600 $0 −$600 2yr Fixed · P&I · Investor · 70–80% LVR $600 $0 −$600 2yr Fixed · P&I · Investor · 80–95% LVR $600 $0 −$600 2yr Fixed · Interest Only · Investor · ≤70% LVR $600 $0 −$600 2yr Fixed · Interest Only · Investor · 70–80% LVR $600 $0 −$600 2yr Fixed · Interest Only · Investor · 80–90% LVR $600 $0 −$600 3yr Fixed · P&I · Owner-occupier · ≤70% LVR $600 $0 −$600 3yr Fixed · P&I · Owner-occupier · 70–80% LVR $600 $0 −$600 3yr Fixed · P&I · Owner-occupier · 80–95% LVR $600 $0 −$600 3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR $600 $0 −$600 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR $600 $0 −$600 3yr Fixed · P&I · Investor · ≤70% LVR $600 $0 −$600 3yr Fixed · P&I · Investor · 70–80% LVR $600 $0 −$600 3yr Fixed · P&I · Investor · 80–95% LVR $600 $0 −$600 3yr Fixed · Interest Only · Investor · ≤70% LVR $600 $0 −$600 3yr Fixed · Interest Only · Investor · 70–80% LVR $600 $0 −$600 3yr Fixed · Interest Only · Investor · 80–90% LVR $600 $0 −$600 4yr Fixed · P&I · Owner-occupier · ≤70% LVR $600 $0 −$600 4yr Fixed · P&I · Owner-occupier · 70–80% LVR $600 $0 −$600 4yr Fixed · P&I · Owner-occupier · 80–95% LVR $600 $0 −$600 4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR $600 $0 −$600 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR $600 $0 −$600 4yr Fixed · P&I · Investor · ≤70% LVR $600 $0 −$600 4yr Fixed · P&I · Investor · 70–80% LVR $600 $0 −$600 4yr Fixed · P&I · Investor · 80–95% LVR $600 $0 −$600 4yr Fixed · Interest Only · Investor · ≤70% LVR $600 $0 −$600 4yr Fixed · Interest Only · Investor · 70–80% LVR $600 $0 −$600 4yr Fixed · Interest Only · Investor · 80–90% LVR $600 $0 −$600 5yr Fixed · P&I · Owner-occupier · ≤70% LVR $600 $0 −$600 5yr Fixed · P&I · Owner-occupier · 70–80% LVR $600 $0 −$600 5yr Fixed · P&I · Owner-occupier · 80–95% LVR $600 $0 −$600 5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR $600 $0 −$600 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR $600 $0 −$600 5yr Fixed · P&I · Investor · ≤70% LVR $600 $0 −$600 5yr Fixed · P&I · Investor · 70–80% LVR $600 $0 −$600 5yr Fixed · P&I · Investor · 80–95% LVR $600 $0 −$600 5yr Fixed · Interest Only · Investor · ≤70% LVR $600 $0 −$600 5yr Fixed · Interest Only · Investor · 70–80% LVR $600 $0 −$600 5yr Fixed · Interest Only · Investor · 80–90% LVR $600 $0 −$600
September 20261 change
- 19Sat
- 55 variants up 0.03 to 0.23+0.03 to +0.23
1yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.76 6.80 +0.04 1yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.86 6.90 +0.04 1yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.17 7.20 +0.03 1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 6.80 6.83 +0.03 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 6.90 6.93 +0.03 1yr Fixed · P&I · Investor · ≤70% LVR 6.95 6.99 +0.04 1yr Fixed · P&I · Investor · 70–80% LVR 7.05 7.09 +0.04 1yr Fixed · P&I · Investor · 80–95% LVR 7.35 7.38 +0.03 1yr Fixed · Interest Only · Investor · ≤70% LVR 6.95 6.99 +0.04 1yr Fixed · Interest Only · Investor · 70–80% LVR 7.05 7.09 +0.04 1yr Fixed · Interest Only · Investor · 80–90% LVR 7.36 7.39 +0.03 2yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.75 6.84 +0.09 2yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.84 6.93 +0.09 2yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.15 7.23 +0.08 2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 6.81 6.88 +0.07 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 6.91 6.98 +0.07 2yr Fixed · P&I · Investor · ≤70% LVR 6.92 7.01 +0.09 2yr Fixed · P&I · Investor · 70–80% LVR 7.02 7.11 +0.09 2yr Fixed · P&I · Investor · 80–95% LVR 7.32 7.41 +0.09 2yr Fixed · Interest Only · Investor · ≤70% LVR 6.94 7.02 +0.08 2yr Fixed · Interest Only · Investor · 70–80% LVR 7.03 7.12 +0.09 2yr Fixed · Interest Only · Investor · 80–90% LVR 7.34 7.42 +0.08 3yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.80 6.92 +0.12 3yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.90 7.02 +0.12 3yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.20 7.32 +0.12 3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 6.89 7.01 +0.12 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.00 7.11 +0.11 3yr Fixed · P&I · Investor · ≤70% LVR 6.97 7.11 +0.14 3yr Fixed · P&I · Investor · 70–80% LVR 7.07 7.21 +0.14 3yr Fixed · P&I · Investor · 80–95% LVR 7.37 7.51 +0.14 3yr Fixed · Interest Only · Investor · ≤70% LVR 6.99 7.12 +0.13 3yr Fixed · Interest Only · Investor · 70–80% LVR 7.09 7.22 +0.13 3yr Fixed · Interest Only · Investor · 80–90% LVR 7.38 7.52 +0.14 4yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.88 7.03 +0.15 4yr Fixed · P&I · Owner-occupier · 70–80% LVR 6.96 7.12 +0.16 4yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.27 7.42 +0.15 4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 7.00 7.15 +0.15 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.10 7.25 +0.15 4yr Fixed · P&I · Investor · ≤70% LVR 7.05 7.24 +0.19 4yr Fixed · P&I · Investor · 70–80% LVR 7.15 7.34 +0.19 4yr Fixed · P&I · Investor · 80–95% LVR 7.45 7.64 +0.19 4yr Fixed · Interest Only · Investor · ≤70% LVR 7.07 7.24 +0.17 4yr Fixed · Interest Only · Investor · 70–80% LVR 7.17 7.34 +0.17 4yr Fixed · Interest Only · Investor · 80–90% LVR 7.47 7.64 +0.17 5yr Fixed · P&I · Owner-occupier · ≤70% LVR 6.89 7.10 +0.21 5yr Fixed · P&I · Owner-occupier · 70–80% LVR 7.00 7.20 +0.20 5yr Fixed · P&I · Owner-occupier · 80–95% LVR 7.29 7.50 +0.21 5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR 7.04 7.22 +0.18 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR 7.14 7.32 +0.18 5yr Fixed · P&I · Investor · ≤70% LVR 7.08 7.30 +0.22 5yr Fixed · P&I · Investor · 70–80% LVR 7.17 7.40 +0.23 5yr Fixed · P&I · Investor · 80–95% LVR 7.47 7.70 +0.23 5yr Fixed · Interest Only · Investor · ≤70% LVR 7.09 7.29 +0.20 5yr Fixed · Interest Only · Investor · 70–80% LVR 7.19 7.39 +0.20 5yr Fixed · Interest Only · Investor · 80–90% LVR 7.49 7.69 +0.20
Lock in a little certainty with a fixed interest rate for 1-5 years
Also from BankSA: Basic Variable Home Loan 6.65% · Variable Home Loan with Offset 7.11%
As of 1 November 2026, the BankSA Fixed Rate Home Loan's 1-year fixed owner-occupier P&I variant has a comparison rate of 7.02% (6.74% advertised), ranking 36th of 50 1-year fixed owner-occupier P&I loans. The product comes in 55 variants; the others are investor, interest-only, other fixed terms and other LVR bands. Its rate last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.