Adelaide Bank Home Loans

Adelaide Bank Home Loans

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Everything you need to know about an Adelaide Bank Home Loan

With a 150-year history, Adelaide Bank has evolved from modest community lender to being one of Australia’s largest building societies. After merging with Bendigo Bank in 2007 to form Bendigo and Adelaide Bank Limited, the lender became Australia’s 5th largest bank. Adelaide Bank offers an excellent selection of flexible yet simple home loan products, as well as a uniquely personalised service.

Key Benefits

  • Simple, straightforward home loans with competitive rates
  • Flexible payment options
  • Several low doc loan products available


  • Most home loans come with ongoing monthly fees
  • No package deals offered
  • No discounted rates available

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Adelaide Bank Home Loan Products Breakdown


  • Offset account
  • Variable rates
  • Free to redraw

Enjoy your first home with the benefits of a 100% offset account

This full-featured variable rate home loan comes with plenty of flexibility for the borrower who appreciates options when it comes to paying down their loan. You’ll have access to a 100% offset account, free redraw, and can make unlimited early repayments without paying a penalty. And, you’ll get a competitive rate and the option to start with a small deposit.


  • Offset account
  • Fixed interest rates
  • Free to redraw

Enjoy the comfort of knowing exactly what your monthly repayments will be

Want security and flexibility? Adelaide Bank’s SmartFix home loan product comes with the peace of mind of a fixed rate period, plus all the standard payment features including 100% offset, redraw, and the ability to make additional repayments up to $20,000. Fixed terms range from 1 to 5 years.

Adelaide Bank Home Loan Products Comparison


Looking for your perfect match?

At eChoice, we have partnered with over 20 of Australia's leading lenders to help you find the right home loan. Chat with one of our experienced brokers today.

Estimated Refinancing Savings

Potential Lender Options

Competitive Interest Rates

Estimated Borrowing Power

Estimated Monthly Loan Repayments

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Frequently Asked Questions

Did Adelaide Bank Pass On Rate Cut?

After the last interest rate drop Adelaide Bank made cuts on fixed rate products for both owner-occupier and investors.

Is Bendigo And Adelaide Bank The Same?

Bendigo and Adelaide Banks completed a merger in November 2007, becoming the Bendigo and Adelaide Bank Group.

How Do I Order Home Loan Statement From Adelaide Bank?

Adelaide Bank offer access to statements through their Online Banking portal under ‘Account details’.