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Adelaide Bank Home Loans

Adelaide Bank has home loan rates starting from 6.39%.

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By

Richard Whitten

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Adelaide Bank is an Australian bank. Adelaide Bank offers a range of home loans for Australian borrowers. Check out the full table of Adelaide Bank products below or read more about the lender.

Compare Adelaide Bank home loans for December 2023

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1 - 5 of 15
Updated regularly
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Adelaide Bank SmartSaver Fixed
Principal & Interest 3Y Fixed5% min. depositOwner-occupier
Interest Rate
6.49%
Comparison Rate
6.42%
Fees
Application: $299
Ongoing: $0 p.a.
Monthly Payment
$948
More Info
Adelaide Bank SmartFix Home Loan
Principal & Interest 3Y Fixed5% min. depositOwner-occupierOffset account
Interest Rate
6.49%
Comparison Rate
6.58%
Fees
Application: $299
Ongoing: $15 p.a.
Monthly Payment
$948
More Info
Adelaide Bank SmartSaver Fixed
Principal & Interest 3Y Fixed10% min. depositInvestment
Interest Rate
6.69%
Comparison Rate
6.87%
Fees
Application: $299
Ongoing: $0 p.a.
Monthly Payment
$968
More Info
Adelaide Bank SmartSaver Fixed
Principal & Interest 1Y Fixed5% min. depositOwner-occupier
Interest Rate
6.44%
Comparison Rate
6.40%
Fees
Application: $299
Ongoing: $0 p.a.
Monthly Payment
$944
More Info
Adelaide Bank SmartFix Home Loan
Principal & Interest 1Y Fixed10% min. depositInvestmentOffset account
Interest Rate
6.64%
Comparison Rate
7.05%
Fees
Application: $299
Ongoing: $15 p.a.
Monthly Payment
$963
More Info
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Showing 5 of 15 results

Adelaide Bank key facts

  • Adelaide Bank is a bank based in Adelaide, South Australia.
  • Adelaide Bank offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as insurance and commercial loans.

Review by our senior home loans writer Richard Whitten

Adelaide Bank home loan features

Here are the key features and details you need to know about Adelaide Bank's mortgage products.

FeatureDetails
Minimum depositIt is possible to get a home loan from Adelaide Bank with a deposit as low as 5%.
Offset account?You can get an offset account with several Adelaide Bank loans.
Repayment optionsSeveral Adelaide Bank home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Adelaide Bank?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Adelaide Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

  • Adelaide Bank SmartFit Home Loan

    This variable rate home loan offered by Adelaide Bank enables borrowers to pay their loans off sooner. Given its competitive interest rate and a range of features, it definitely requires your attention.
  • Adelaide Bank SmartSaver Home Loan

    The Adelaide Bank SmartSaver is a basic home loan with a competitive rate and fees. Find out more and add it to your comparison today.

  • Adelaide Bank SmartFix Home Loan

    The Adelaide Bank SmartFix is a fixed rate home loan with the ability to make up to $20,000 in extra payments per year and a 100% offset account.

Find the right home loan now

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2 Responses

    Default Gravatar
    phillAugust 26, 2022

    i need to learning more about this subject

    Reply
      AvatarFinder
      RichardAugust 29, 2022Finder

      Hi Phill,

      If you’d like to learn more about home loans, please feel free to visit our Finder guide for more details.

      Kind regards,
      Richard

      Reply
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