Adelaide Bank Home Loans

Rates and Fees verified correct on December 9th, 2016

Adelaide Bank is part of the Bendigo group and provides a range of home loans for their existing and Adelaide Bankpotential customers.

Adelaide Bank has been operating for more than 100 years and is a leading customer-centric business based in South Australia. Adelaide Bank merged with Bendigo Bank in 2007 to form Bendigo and Adelaide Bank Limited. The financial institution is currently the committed intermediary lending business of Bendigo and Adelaide Bank Limited. It also distributes mortgage products by partnering with industry professionals.

Adelaide Bank home loans comparison

Rates last updated December 9th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Adelaide Bank SmartDoc Plus Home Loan - Owner Occupier
A low doc home loan with 100% offset account and redraw facility.
5.29% 5.50% $375 $15 monthly ($180 p.a.) 70% More info
Adelaide Bank SmartDoc Fix Home Loan - 5 Year Fixed Rate (Owner Occupier)
Lock in a competitive rate for five years even if you're self employed.
5.49% 5.50% $375 $15 monthly ($180 p.a.) 80% More info
5.34% 5.43% $375 $15 monthly ($180 p.a.) 80% More info
3.94% 3.98% $375 $0 p.a. 95% More info
Adelaide Bank SmartDoc Fix Home Loan - 1 Year Fixed Rate (Owner Occupier)
A low doc loan with a fixed rate for one year and 100% offset account.
4.99% 5.34% $375 $15 monthly ($180 p.a.) 80% More info
Adelaide Bank SmartDoc Fix Home Loan - 3 Year Fixed Rate (Owner Occupier)
A low doc fixed rate home loan with offset account and redraw facility.
4.99% 5.32% $375 $15 monthly ($180 p.a.) 95% More info
Adelaide Bank SmartFix Home Loan - 2 Year Fixed Rate (Owner Occupier)
Take advantage of a locked rate for two years and a full offset account.
3.99% 4.53% $375 $15 monthly ($180 p.a.) 95% More info
3.99% 4.21% $375 $15 monthly ($180 p.a.) 95% More info
Adelaide Bank SmartDoc Fix Home Loan - 2 Year Fixed Rate (Owner Occupier)
A low doc fixed rate loan with 100% offset account.
4.99% 5.33% $375 $15 monthly ($180 p.a.) 95% More info
4.29% 4.33% $375 $0 p.a. 95% More info
Adelaide Bank SmartFix Home Loan - 1 Year Fixed Rate (Owner Occupier)
A fixed rate home loan with 100% offset account.
3.99% 4.57% $375 $15 monthly ($180 p.a.) 95% More info
Adelaide Bank SmartFix Home Loan - 4 Year Fixed Rate (Owner Occupier)
Borrow up to 95% LVR and enjoy the low monthly fee.
4.34% 4.59% $375 $15 monthly ($180 p.a.) 95% More info
4.39% 4.61% $375 $15 monthly ($180 p.a.) 95% More info
Adelaide Bank SmartFix Home Loan - 3 Year Fixed Rate (Owner Occupier)
A three year fixed rate loan with 100% offset account.
3.99% 4.50% $375 $15 monthly ($180 p.a.) 95% More info
Adelaide Bank SmartDoc Home Loan - Owner Occupier
Enjoy a low doc variable rate home loan with offset account.
5.15% 5.36% $375 $15 monthly ($180 p.a.) 80% More info
Adelaide Bank SmartFix Home Loan - 5 Year Fixed Rate (Owner Occupier)
Enjoy a 100% offset account and low monthly fees.
4.49% 4.65% $375 $15 monthly ($180 p.a.) 95% More info
Rates last updated December 9th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
4.54% 4.58% $375 $0 p.a. 95% More info
4.39% 4.43% $375 $0 p.a. 95% More info
5.40% 5.61% $375 $15 monthly ($180 p.a.) 80% More info
Adelaide Bank SmartFix Home Loan - 5 Year Fixed Rate (Investor)
Borrow up to 95% LVR and enjoy the low monthly fee.
4.59% 4.83% $375 $15 monthly ($180 p.a.) 95% More info
Adelaide Bank SmartFix Home Loan - 4 Year Fixed Rate (Investor)
Borrow up to 95% LVR and enjoy the low monthly fee.
4.44% 4.78% $375 $15 monthly ($180 p.a.) 95% More info
Adelaide Bank SmartFix Home Loan - 3 Year Fixed Rate (Investor)
Borrow up to 95% LVR and enjoy the low monthly fee.
4.09% 4.71% $375 $15 monthly ($180 p.a.) 95% More info
Adelaide Bank SmartFix Home Loan - 2 Year Fixed Rate (Investor)
Borrow up to 95% LVR and enjoy the low monthly fee.
4.09% 4.75% $375 $15 monthly ($180 p.a.) 95% More info
Adelaide Bank SmartFix Home Loan - 1 Year Fixed Rate (Investor)
Borrow up to 95% LVR and enjoy the low monthly fee.
4.09% 4.80% $375 $15 monthly ($180 p.a.) 95% More info
5.59% 5.69% $375 $15 monthly ($180 p.a.) 80% More info
5.44% 5.62% $375 $15 monthly ($180 p.a.) 80% More info
5.09% 5.52% $375 $15 monthly ($180 p.a.) 80% More info
5.09% 5.55% $375 $15 monthly ($180 p.a.) 80% More info
5.09% 5.58% $375 $15 monthly ($180 p.a.) 80% More info
5.54% 5.75% $375 $15 monthly ($180 p.a.) 70% More info
Adelaide Bank Smartfit Variable Home Loan - LVR > 90% (Investor)
A variable loan with 100% offset account with redraw facility and low ongoing fee.
4.64% 4.85% $375 $15 monthly ($180 p.a.) 90% More info
Adelaide Bank Smartfit Variable Home Loan - LVR < 90% (Investor)
A variable loan with 100% offset account with redraw facility and low ongoing fee.
4.44% 4.66% $375 $15 monthly ($180 p.a.) 90% More info

What can Adelaide Bank offer me?

SmartSaver home loan

The SmartSaver is tailored for clients who are buying a residential property or refinancing their existing loan and need a basic home loan. SmartSaver has a discounted variable interest rate with no monthly administration fees. The loan offers unlimited extra repayments, a redraw facility and the choice of repayment frequency.

The SmartSaver Home Loan

SmartFit home loan

The purpose of the SmartFit home loan is to allow borrowers to purchase or refinance an owner-occupied or investment property, obtain a home equity loan for investment or personal purposes, provide borrowers with debt consolidation funds or give them access to a bridging finance. It is a fully-featured variable home loan that is combined with an offset account.

The SmartFit Home Loan

SmartFix home loan

SmartFix home loans are quite similar to the SmartFit home loan. SmartFix is a fully-featured home loan providing customers with the choice of fixing their interest rate for a period of one to five years. The loan also comes with an offset account, and offers interest-only repayments.

The SmartFix Home Loan

SmartDoc home loan

The SmartDoc home loan is designed for borrowers who are self-employed or PAYG borrowers. It gives customers the opportunity to get a fully featured home loan with all the advantages of an offset account. The SmartDoc home loan does not have the normal difficulties associated with providing payslips and tax returns.

The SmartDoc Home Loan

Go-between home loan

The Go-between home loan provides you with an easy method of buying a new home before you sell your current one. Instead of managing two sets of loan repayments when you’re selling your current home, a Go-between loan will not require repayments on the new loan during the overlap period.

About how to compare home loans

How do I apply for a home loan from Adelaide Bank?

Adelaide Bank’s home loans are available through its network of more than 5,000 mortgage broking partners in various locations across Australia. They'll help you find the right financial product for your situation by evaluating your present financial situation and future plans. They will also take you through the application process—from initial application to final settlement of the home loan—while giving you important tips on how to succeed with your application.

Documents needed to apply for an Adelaide Bank home loan

To enable Adelaide Bank and your preferred mortgage broker to effectively process your application, you’ll need to provide some information about your objectives and current financial position. The information that you will need to provide will include the following:

Personal information

Adelaide Bank and your mortgage broker will require you to provide the necessary documents to confirm your identity.

Financial information

You will also need to provide financial information such as:

  • Any financial liabilities. This information will be important in evaluating how much cash you will be spending every month, and includes information about your current credit limits.
  • Property valuation. The value of the property being used as security and your deposit.
  • Income information. The amount of money you earn will be used to gauge how much you are able to borrow after all your expenditures have been taken into account.
  • Your asset information. You will have more borrowing power if you have more assets.

Selecting the right home loan is one of the most important decisions you will ever make. Adelaide Bank offers a range of home loans that may suit you, but always consider your personal and financial situation first.

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This page was last modified on 5 October 2016 at 15:02.

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