Adelaide Bank

One of the six largest banks in Australia, Adelaide Bank was established in 1994. Originating from Australia’s largest building society, the Co-operative Building Society of South Australia, Adelaide Bank’s legacy goes back more than 100 years.

Adelaide Bank is among Australia’s leading lenders and manages assets of over $17 billion from its headquarters in South Australia. Adelaide Bank customers have access to over 2000 ATMs across Australia.

Adelaide Bank is well known for its user-friendly products and offers a wide range including insurances, bank accounts, credit cards and home loans. It’s believed to generate more than three per cent of Australian mortgage loan approvals annually.

Since a merger with Bendigo Bank in 2007, Adelaide Bank has operated as a dedicated lending business specialising in providing mortgage and loan services to everyday banking customers.

Adelaide Bank Home Loan Calculator

Interested in an Adelaide Bank home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Adelaide Bank compares to its competitors. Simply plug in your borrowing amount below. 

Adelaide Bank may work for you if you're looking for:
  • 100 per cent offset is available on most home loans (not including the SmartSaver loan).
  • All loans offer a choice between principal and interest or interest only repayments.
  • Can accommodate people with smaller deposits.
  • Extra repayments are allowed on all home loans, with some capping additional repayments at $20,000.
Adelaide Bank may not work for you if you're looking for:
  • Ongoing monthly fees apply to most home loans (not including the SmartSaver loan).
  • Not all accounts offer equity release.
  • No package deals are offered.
Adelaide Bank customer service:

Adelaide Bank home loan customers can get in touch with their mortgage provider in a variety of different ways. Depending on the needs of the customer it’s possible to speak to the bank directly either face-to-face in branch or by calling the customer service centre. Customers with access to the internet can obtain a full overview of their Adelaide Bank accounts online or via their mobile app. It’s also possible to get in touch via email. If a home loan customer’s personal circumstances change and they need to seek assistance restructuring their repayments, Adelaide Bank offers a financial hardship hotline.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch

Adelaide Bank Home Loan Calculator

Mortgage Balance

Monthly Repayment

Interest Rate


Remaining loan term:

26 years and 8 months

Savings over 10 years

Advertised rate
Comparison rate*
Monthly repayment
Savings Over Years
Estimated upfront fees
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Adelaide Bank Home Loans

How to Apply

To begin the process of arranging a home loan, borrowers will need to apply online or in branch to arrange a face-to-face interview with a mortgage broker. Adelaide Bank has a network of over 5000 approved mortgage brokers across Australia who will facilitate the entire process for customers. Before meeting a broker it’s recommended that those seeking a mortgage look at the range of home loans available and consider how much they can afford to borrow, and over what time period. Even when applying for the paperwork-light SmartDoc and SmartDoc Plus loans it’s likely that some documents will be required upon application. These may include:

  • Personal identification.
  • Details of current assets, including estimated values.
  • Details of current debts, including credit limits.
  • Gross income.
  • Estimated value of any property offered as security.
  • Details of deposit and equity.
  • Previous mortgage statements (for refinancers).
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