SmartFix Home Loan (Principal and Interest) 4 Years
- Last updated on 26 May 2020
Fixed - 4 years
based on $300,000 loan amount for 25 years
- 100% full offset account
- Suitable for low deposits
- Extra repayments + redraw services
- Repayments will not change during fixed period
- Limited extra repayments
- Discharge fee at end of loan
- Repayments won't decrease if RBA cuts rates
Interest rate structure
Fixed - 4 years
$10k - $5m
Principal & interest
Loan term range
5 - 30 years
100% offset account
Allowed with restrictions
Redraw fee: $50
Allows split interest
ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Estimated upfront fees
Minimum SMSF Amount
Max LVR w/ LMI 90% for IO, repayment frequency for IO is monthly
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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