Adelaide Bank Home Loans
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
- 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.
- 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 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
- Branch
Adelaide Bank home loans
| Product | Advertised rate | Upfront fee | Comparison rate* | Ongoing fee | Go To Site |
|---|---|---|---|---|---|
Advertised rate 4.04% Variable | Upfront fee $495.00 | Comparison rate* 4.08% | Ongoing fee $0 | Details Compare | |
Advertised rate 4.09% Variable | Upfront fee $495.00 | Comparison rate* 4.31% | Ongoing fee $15 monthly | Details Compare | |
Advertised rate 4.17% Fixed - 1 year | Upfront fee $495.00 | Comparison rate* 4.41% | Ongoing fee $0 | Details Compare | |
Advertised rate 4.35% Fixed - 2 years | Upfront fee $495.00 | Comparison rate* 4.42% | Ongoing fee $0 | Details Compare | |
Advertised rate 4.39% Variable | Upfront fee $495.00 | Comparison rate* 4.43% | Ongoing fee $0 | Details Compare | |
Advertised rate 4.48% Fixed - 3 years | Upfront fee $495.00 | Comparison rate* 4.45% | Ongoing fee $0 | Details Compare | |
Advertised rate 4.17% Fixed - 1 year | Upfront fee $495.00 | Comparison rate* 4.67% | Ongoing fee $15 monthly | Details Compare | |
Advertised rate 4.35% Fixed - 2 years | Upfront fee $495.00 | Comparison rate* 4.68% | Ongoing fee $15 monthly | Details Compare | |
Advertised rate 4.48% Fixed - 3 years | Upfront fee $495.00 | Comparison rate* 4.70% | Ongoing fee $15 monthly | Details Compare | |
Advertised rate 4.49% Variable | Upfront fee $495.00 | Comparison rate* 4.70% | Ongoing fee $15 monthly | Details Compare | |
Advertised rate 4.45% Fixed - 2 years | Upfront fee $495.00 | Comparison rate* 4.85% | Ongoing fee $0 | Details Compare | |
Advertised rate 4.27% Fixed - 1 year | Upfront fee $495.00 | Comparison rate* 4.87% | Ongoing fee $0 | Details Compare | |
Advertised rate 4.45% Fixed - 2 years | Upfront fee $495.00 | Comparison rate* 5.10% | Ongoing fee $15 monthly | Details Compare | |
Advertised rate 4.27% Fixed - 1 year | Upfront fee $495.00 | Comparison rate* 5.13% | Ongoing fee $15 monthly | Details Compare |
SmartSaver Home Loan (Principal and Interest) (LVR < 90%) Advertised rate 4.04% Variable Upfront fee $495.00 Comparison rate* 4.08% Ongoing fee $0 | |
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SmartFit Home Loan (Principal and Interest) (LVR < 90%) Advertised rate 4.09% Variable Upfront fee $495.00 Comparison rate* 4.31% Ongoing fee $15 monthly | |
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SmartSaver Fixed Home Loan (Principal and Interest) 1 Year Advertised rate 4.17% Fixed - 1 year Upfront fee $495.00 Comparison rate* 4.41% Ongoing fee $0 | |
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SmartSaver Fixed Home Loan (Principal and Interest) 2 Years Advertised rate 4.35% Fixed - 2 years Upfront fee $495.00 Comparison rate* 4.42% Ongoing fee $0 | |
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SmartSaver Home Loan (Principal and Interest) (LVR 90%-95%) Advertised rate 4.39% Variable Upfront fee $495.00 Comparison rate* 4.43% Ongoing fee $0 | |
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SmartSaver Fixed Home Loan (Principal and Interest) 3 Years Advertised rate 4.48% Fixed - 3 years Upfront fee $495.00 Comparison rate* 4.45% Ongoing fee $0 | |
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SmartFix Home Loan (Principal and Interest) 1 Year Advertised rate 4.17% Fixed - 1 year Upfront fee $495.00 Comparison rate* 4.67% Ongoing fee $15 monthly | |
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SmartFix Home Loan (Principal and Interest) 2 Years Advertised rate 4.35% Fixed - 2 years Upfront fee $495.00 Comparison rate* 4.68% Ongoing fee $15 monthly | |
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SmartFix Home Loan (Principal and Interest) 3 Years Advertised rate 4.48% Fixed - 3 years Upfront fee $495.00 Comparison rate* 4.70% Ongoing fee $15 monthly | |
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SmartFit Home Loan (Principal and Interest) (LVR 90%-95%) Advertised rate 4.49% Variable Upfront fee $495.00 Comparison rate* 4.70% Ongoing fee $15 monthly | |
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SmartSaver Fixed Investment Loan (Principal and Interest) 2 Years Advertised rate 4.45% Fixed - 2 years Upfront fee $495.00 Comparison rate* 4.85% Ongoing fee $0 | |
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SmartSaver Fixed Investment Loan (Principal and Interest) 1 Year Advertised rate 4.27% Fixed - 1 year Upfront fee $495.00 Comparison rate* 4.87% Ongoing fee $0 | |
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SmartFix Investment Loan (Principal and Interest) 2 Years Advertised rate 4.45% Fixed - 2 years Upfront fee $495.00 Comparison rate* 5.10% Ongoing fee $15 monthly | |
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SmartFix Investment Loan (Principal and Interest) 1 Year Advertised rate 4.27% Fixed - 1 year Upfront fee $495.00 Comparison rate* 5.13% Ongoing fee $15 monthly | |
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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).
