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Adelaide Bank

SmartFix Loan

Interest rate

2.35

% p.a

Fixed - 1 year

Comparison Rate*

2.62

% p.a

Maximum LVR
80%
Real Time Rating™

2.61

/ 5
Monthly Repayment

$1,544

based on $350,000 loan amount for 25 years at 2.35%

Interest rate

2.35

% p.a

Fixed - 1 year

Comparison Rate*

2.62

% p.a

Maximum LVR
80%
Real Time Rating™

2.61

/ 5
Monthly Repayment

$1,544

based on $350,000 loan amount for 25 years at 2.35%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,544

based on $350,000 loan amount for 25 years at 2.35%

Adelaide Bank home loans are available through brokers who can help find the right loan and manage your application at no charge.

Mahesh Perera

5.0
23 Reviews

Get expert advice from a home loans specialist.

In 1994, Mahesh bought a property at a highly inflated price. Shortly after, he lost most of his superannuation when the company he was working for was declared bankrupt. This misfortune encouraged him to learn as much as he could about good financial management so that he would avoid making the same mistakes again. Mahesh worked has to educate himself and gain valuable qualifications in the finance industry. While doing so, he recognised an opportunity to help other migrants steer clear of the pitfalls that he encountered. After studying to become a qualified Financial Advisor, Mahesh then went on to build his own financial planning firm, working under AXA, AON, and Patron licensees. Since 1996 Mahesh has had the privilege to assist more than 1500 clients to achieve their financial goals using various wealth strategies going to help you immensely. You will be glad you become an Equity Advice client.

NSW2000

CRN: 492305

George Popadalis

5.5
10 Reviews

Get expert advice from a home loans specialist.

After years of working in the banking industry, George saw firsthand how customers were continuously being put on hold and not treated with respect. So he decided to take matters into his own hands by starting Fetch Loans! George never thought that one day he would find himself running a company whose sole focus is providing an all-around positive experience for their clients every time they need them. But when George realized just what was happening within the customer service sector’s disregard for its customers’ needs, something inside him shifted—and so did his career path. Now at Fetch Loans!, we’re committed to giving our invaluable clientele a stress free loan application process while treating each individual as if it were only us who mattered most throughout this entire journey together

NSW2216

CRN: 524152

Anshuman Lukka

5.0
33 Reviews

Get expert advice from a home loans specialist.

We are an independent accounting and financial consultancy firm focused on developing customised strategies designed to fit the needs of corporate and individual clients. We provide flexibility and expertise to support our clientele in multiple roles as well as providing access to our professional research and services. Our team consists of experienced accountants and advisers supported by a strong back office team to meet your finance needs on timely basis. Working with us, you will explore a range of options and services specifically designed to deliver you a strategic financial plan based solely on your objectives. We continue to work with you over the years to ensure that as your objectives and life-stages change, so does your strategy and your plan.

NSW2150

CRN: 499239

Quick home loan review

For SmartFix Investment Loan (Principal and Interest) 1 Year Special (LVR ≤ 80%)

These are the benefits of this home loan.

  • Interest rates ranked in the best 20%
  • 100% full offset account
  • Redraw facility available
  • Extra repayments and redraw facility
  • Split account option

These are the drawbacks of this home loan.

  • Limited extra repayments
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • No repayment holidays

Home loan overview

For SmartFix Investment Loan (Principal and Interest) 1 Year Special (LVR ≤ 80%)

TMD

Details

Maximum LVR

80%

Total Repayments

Next LVR

Interest rate type

Fixed - 1 year

Borrowing range

Suitable for

Investors

Loan term range

5 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Yes - limited to $20000 per year

Redraw facility

Redraw fee: $50

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

498

Application fee

299

Valuation fee

$0

Settlement fee

199

Other upfront fee

0

Ongoing fee

$15 monthly

Discharge fee

325

Application method

Online

Phone

In branch

Target Market Determination

Visit Adelaide Bank to view Target Market Determination.

Other Restrictions

Max LVR w/ LMI 90% for IO, repayment frequency for IO is monthly

Embed

Adelaide Bank is available through brokers

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $10k to $5,000,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 80 percent, which means it requires a minimum deposit of 20 percent

What's the maximum length for this loan?

Adelaide Bank allows you to have this loan for a range of 5 to 30 years.

How often can you make repayments?

Adelaide Bank allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $498 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $50 if you need to use it.

Where can you apply for this loan?

Adelaide Bank makes it possible to apply for this product online. Apply here.

Can a broker help me with this loan?

Yes, this Adelaide Bank loan is available through a broker. Find a broker to help you with your needs.