Adelaide Bank home loan repayment calculator

Thinking about taking out a home loan with Adelaide Bank? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Adelaide Bank home loans compare with other options.

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated mortgage repayments

at interest rate 5.00%

Total interest payable

$0

Total loan repayments

$0

Pros and cons

  • 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 loans rates

Advertised Rate

2.49%

Variable

Total estimated upfront fees
$498
Comparison Rate*

2.53%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.05%

Fixed - 3 years

Total estimated upfront fees
$498
Comparison Rate*

2.60%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.34%

Fixed - 5 years

Total estimated upfront fees
$498
Comparison Rate*

2.62%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.29%

Fixed - 4 years

Total estimated upfront fees
$498
Comparison Rate*

2.63%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.05%

Fixed - 2 years

Total estimated upfront fees
$498
Comparison Rate*

2.65%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.05%

Fixed - 1 year

Total estimated upfront fees
$498
Comparison Rate*

2.71%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.99%

Variable

Total estimated upfront fees
$498
Comparison Rate*

2.71%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.49%

Variable

Total estimated upfront fees
$498
Comparison Rate*

2.73%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.73%

Variable

Total estimated upfront fees
$498
Comparison Rate*

2.77%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.79%

Fixed - 1 year

Total estimated upfront fees
$498
Comparison Rate*

2.77%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.84%

Fixed - 2 years

Total estimated upfront fees
$498
Comparison Rate*

2.79%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.05%

Fixed - 3 years

Total estimated upfront fees
$498
Comparison Rate*

2.80%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.34%

Fixed - 5 years

Total estimated upfront fees
$498
Comparison Rate*

2.81%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.29%

Fixed - 4 years

Total estimated upfront fees
$498
Comparison Rate*

2.82%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.94%

Fixed - 3 years

Total estimated upfront fees
$498
Comparison Rate*

2.82%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.79%

Variable

Total estimated upfront fees
$498
Comparison Rate*

2.83%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.05%

Fixed - 2 years

Total estimated upfront fees
$498
Comparison Rate*

2.85%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.99%

Variable

Total estimated upfront fees
$498
Comparison Rate*

2.88%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.05%

Fixed - 1 year

Total estimated upfront fees
$498
Comparison Rate*

2.90%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.35%

Fixed - 3 years

Total estimated upfront fees
$498
Comparison Rate*

2.90%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.99%

Variable

Total estimated upfront fees
$498
Comparison Rate*

2.90%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.59%

Fixed - 4 years

Total estimated upfront fees
$498
Comparison Rate*

2.93%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.69%

Fixed - 5 years

Total estimated upfront fees
$498
Comparison Rate*

2.94%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.35%

Fixed - 2 years

Total estimated upfront fees
$498
Comparison Rate*

2.95%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.55%

Fixed - 3 years

Total estimated upfront fees
$498
Comparison Rate*

2.95%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.73%

Variable

Total estimated upfront fees
$498
Comparison Rate*

2.96%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.79%

Fixed - 1 year

Total estimated upfront fees
$498
Comparison Rate*

2.96%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

3.34%

Fixed - 4 years

Total estimated upfront fees
$498
Comparison Rate*

2.96%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.84%

Fixed - 2 years

Total estimated upfront fees
$498
Comparison Rate*

2.97%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.55%

Fixed - 2 years

Total estimated upfront fees
$498
Comparison Rate*

2.99%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.79%

Fixed - 4 years

Total estimated upfront fees
$498
Comparison Rate*

2.99%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

3.34%

Fixed - 5 years

Total estimated upfront fees
$498
Comparison Rate*

2.99%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.35%

Fixed - 1 year

Total estimated upfront fees
$498
Comparison Rate*

3.01%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.89%

Fixed - 5 years

Total estimated upfront fees
$498
Comparison Rate*

3.01%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.79%

Variable

Total estimated upfront fees
$498
Comparison Rate*

3.02%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.94%

Fixed - 3 years

Total estimated upfront fees
$498
Comparison Rate*

3.02%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.55%

Fixed - 1 year

Total estimated upfront fees
$498
Comparison Rate*

3.03%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.99%

Variable

Total estimated upfront fees
$498
Comparison Rate*

3.07%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

3.03%

Variable

Total estimated upfront fees
$498
Comparison Rate*

3.07%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.35%

Fixed - 3 years

Total estimated upfront fees
$498
Comparison Rate*

3.09%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank

Winner of Best 3 year investor fixed pi, RateCity Gold Awards 2021

More details
Advertised Rate

2.59%

Fixed - 4 years

Total estimated upfront fees
$498
Comparison Rate*

3.12%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.55%

Fixed - 3 years

Total estimated upfront fees
$498
Comparison Rate*

3.13%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.69%

Fixed - 5 years

Total estimated upfront fees
$498
Comparison Rate*

3.13%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.35%

Fixed - 2 years

Total estimated upfront fees
$498
Comparison Rate*

3.14%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.79%

Fixed - 4 years

Total estimated upfront fees
$498
Comparison Rate*

3.16%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

3.23%

Variable

Total estimated upfront fees
$498
Comparison Rate*

3.16%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

3.34%

Fixed - 4 years

Total estimated upfront fees
$498
Comparison Rate*

3.16%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.55%

Fixed - 2 years

Total estimated upfront fees
$498
Comparison Rate*

3.17%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.89%

Fixed - 5 years

Total estimated upfront fees
$498
Comparison Rate*

3.18%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.35%

Fixed - 1 year

Total estimated upfront fees
$498
Comparison Rate*

3.20%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

3.34%

Fixed - 5 years

Total estimated upfront fees
$498
Comparison Rate*

3.20%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

2.55%

Fixed - 1 year

Total estimated upfront fees
$498
Comparison Rate*

3.21%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

3.03%

Variable

Total estimated upfront fees
$498
Comparison Rate*

3.26%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

3.23%

Variable

Total estimated upfront fees
$498
Comparison Rate*

3.34%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details
Advertised Rate

3.43%

Variable

Total estimated upfront fees
$498
Comparison Rate*

3.47%

Ongoing fee
$0
Go to site
Company
Adelaide Bank
More details
Advertised Rate

3.43%

Variable

Total estimated upfront fees
$498
Comparison Rate*

3.66%

Ongoing fee
$15 monthly
Go to site
Company
Adelaide Bank
More details

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

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).