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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
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Adelaide Bank home loan repayment calculator
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
Product | Advertised Rate 2.49% Variable | Total estimated upfront fees | Comparison Rate* 2.53% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.05% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 2.60% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.34% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 2.62% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.29% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 2.63% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.05% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 2.65% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.05% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 2.71% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.99% Variable | Total estimated upfront fees | Comparison Rate* 2.71% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.49% Variable | Total estimated upfront fees | Comparison Rate* 2.73% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.73% Variable | Total estimated upfront fees | Comparison Rate* 2.77% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.79% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 2.77% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.84% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 2.79% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.05% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 2.80% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.34% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 2.81% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.29% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 2.82% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.94% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 2.82% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.79% Variable | Total estimated upfront fees | Comparison Rate* 2.83% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.05% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 2.85% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.99% Variable | Total estimated upfront fees | Comparison Rate* 2.88% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.05% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 2.90% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.35% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 2.90% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.99% Variable | Total estimated upfront fees | Comparison Rate* 2.90% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.59% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 2.93% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.69% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 2.94% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.35% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 2.95% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.55% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 2.95% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.73% Variable | Total estimated upfront fees | Comparison Rate* 2.96% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.79% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 2.96% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.34% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 2.96% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.84% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 2.97% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.55% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 2.99% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.79% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 2.99% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.34% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 2.99% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.35% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 3.01% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.89% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 3.01% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.79% Variable | Total estimated upfront fees | Comparison Rate* 3.02% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.94% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 3.02% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.55% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 3.03% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.99% Variable | Total estimated upfront fees | Comparison Rate* 3.07% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.03% Variable | Total estimated upfront fees | Comparison Rate* 3.07% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.35% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 3.09% | Ongoing fee | Go to site | Company | Winner of Best 3 year investor fixed pi, RateCity Gold Awards 2021 More details |
Product | Advertised Rate 2.59% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 3.12% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.55% Fixed - 3 years | Total estimated upfront fees | Comparison Rate* 3.13% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.69% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 3.13% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.35% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 3.14% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.79% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 3.16% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.23% Variable | Total estimated upfront fees | Comparison Rate* 3.16% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.34% Fixed - 4 years | Total estimated upfront fees | Comparison Rate* 3.16% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.55% Fixed - 2 years | Total estimated upfront fees | Comparison Rate* 3.17% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.89% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 3.18% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.35% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 3.20% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.34% Fixed - 5 years | Total estimated upfront fees | Comparison Rate* 3.20% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 2.55% Fixed - 1 year | Total estimated upfront fees | Comparison Rate* 3.21% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.03% Variable | Total estimated upfront fees | Comparison Rate* 3.26% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.23% Variable | Total estimated upfront fees | Comparison Rate* 3.34% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.43% Variable | Total estimated upfront fees | Comparison Rate* 3.47% | Ongoing fee | Go to site | Company | More details |
Product | Advertised Rate 3.43% Variable | Total estimated upfront fees | Comparison Rate* 3.66% | Ongoing fee | Go to site | Company | 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
- 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).