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

Drawbacks

  • 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

SmartFit

  • 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.

SmartFix

  • 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.

SmartSaver

  • No monthly fees
  • Flexible rates
  • Free to redraw

An easy, low rate home loan with all the basics you need

This is Adelaide Bank’s smart option for borrowers who don’t need all the frills, nor the complexity. It’s simple; put more money towards your mortgage with a low rate and no monthly service fees. You can also make unlimited extra repayments without penalty and repay either interest only or principal and interest.

SmartDoc + SmartDocPlus

  • Low documentation
  • Flexible interest rates
  • Repayment options

A hassle-free home loan for self-employed borrowers

True to their claim of supporting the prosperity of all Australians, Adelaide Bank offers great value for self-employed borrowers with competitive low doc loans. You can still enjoy the benefits of a well-featured loan, like 100% offset and free redraws, without having to come up with all the traditional financial paperwork to apply.

Adelaide Bank Home Loan Products Comparison

 

Still 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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