Skip to main content

6.29% p.a. - 3 year fixed
6.31% p.a. - Comparison rate*

With 100% offset!

SmartFix, Owner Occ, P&I, new loans only. T&C's apply.

Low rates are just the tip of the iceberg

Learn more about our award winning fixed rate home loans.
A couple standing in front of their new home admiring it together.
SmartFix

Super low fixed rates with 100% offset for $15/month

A young couple settling the deal with their broker.
SmartSaver

Great fixed rates with no ongoing fees and up to $20,000 p.a. additional repayments

Owner occupied fixed rates^2

Effective from 20/02/2024

Loan Principal & interest Principal & interest comparison rate* Interest only# Interest only comparison rate*
1 year SmartFix 6.29% p.a. 6.28% p.a. 6.79% p.a. 6.36% p.a.
2 year SmartFix 6.29% p.a. 6.30% p.a. 6.79% p.a. 6.42% p.a.
3 year SmartFix 6.29% p.a. 6.31% p.a. 6.79% p.a. 6.48% p.a.
4 year SmartFix 6.39% p.a. 6.37% p.a. 6.79% p.a. 6.53% p.a.
5 year SmartFix 6.39% p.a. 6.39% p.a. 6.79% p.a. 6.58% p.a.
1 year SmartSaver Fixed 6.29% p.a. 6.12% p.a. 6.79% p.a. 6.20% p.a.
2 year SmartSaver Fixed 6.29% p.a. 6.13% p.a. 6.79% p.a. 6.27% p.a.
3 year SmartSaver Fixed 6.29% p.a. 6.15% p.a. 6.79% p.a. 6.32% p.a.
4 year SmartSaver Fixed 6.39% p.a. 6.20% p.a. 6.79% p.a. 6.38% p.a.
5 year SmartSaver Fixed 6.39% p.a. 6.23% p.a. 6.79% p.a. 6.43% p.a.

Investment fixed rates1 2

Effective from 20/02/2024

Loan Principal & interest Principal & interest comparison rate* Interest only# Interest only comparison rate*
1 year SmartFix 6.49% p.a. 6.64% p.a. 6.59% p.a. 6.64% p.a.
2 year SmartFix 6.49% p.a. 6.64% p.a. 6.59% p.a. 6.66% p.a.
3 year SmartFix 6.49% p.a. 6.65% p.a. 6.64% p.a. 6.68% p.a.
4 year SmartFix 6.59% p.a. 6.69% p.a. 6.74% p.a. 6.73% p.a.
5 year SmartFix 6.59% p.a. 6.70% p.a. 6.74% p.a. 6.75% p.a.
1 year SmartSaver Fixed 6.49% p.a. 6.48% p.a. 6.59% p.a. 6.49% p.a.
2 year SmartSaver Fixed 6.49% p.a. 6.48% p.a. 6.59% p.a. 6.50% p.a.
3 year SmartSaver Fixed 6.49% p.a. 6.49% p.a. 6.64% p.a. 6.53% p.a.
4 year SmartSaver Fixed 6.59% p.a. 6.53% p.a. 6.74% p.a. 6.58% p.a.
5 year SmartSaver Fixed 6.59% p.a. 6.54% p.a. 6.74% p.a. 6.60% p.a.

All lending interest rates are subject to change. Rates are for new lending only. Fees and Charges may be applicable and can be found in the Lending Fees and Charges Guide.

*Important information about comparison rates
The comparison rates displayed are calculated for a loan amount of $150,000 over a 25 year loan term. All comparison rates are calculated with a nil offset balance. Comparison rates for Interest Only variable rate loans are based on an initial 5 year Interest Only period and 20 years of Principal & Interest. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated assuming a variable SmartFit or SmartSaver with Loan to Valuation Ratio (LVR) less than or equal to 80% will apply at the end of the fixed rate period.

WARNING: This comparison rate applies only to examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence that cost of the loan.

^Rates apply for all new loans applied for after 20/02/2024
Rates may vary depending on individual customer circumstances

SmartFix owner occupied P&I maximum 80% LVR products roll to an owner occupied variable P&I product.
SmartSaver Fixed owner occupied P&I maximum 80% LVR products roll to an owner occupied variable P&I product.
SmartFix owner occupied IO maximum 80% LVR products roll to an owner occupied variable IO product.
SmartSaver Fixed owner occupied IO maximum 80% LVR products roll to an owner occupied variable IO product.

SmartFix owner occupied P&I above 80% LVR products roll to an owner occupied variable P&I product.
SmartSaver Fixed owner occupied P&I above 80% LVR products roll to an owner occupied variable P&I product.
SmartFix owner occupied IO above 80% LVR products roll to an owner occupied variable P&I product.
SmartSaver Fixed owner occupied IO above 80% LVR products roll to an owner occupied variable P&I product.

1Rates apply for all new loans applied for after 20/02/2024
Rates may vary depending on individual customer circumstances
SmartFix investment P&I products roll to an investment variable P&I product rate of 6.88% p.a.
SmartSaver Fixed investment P&I products roll to an investment variable P&I product rate of 6.88% p.a.
SmartFix investment IO products roll to an investment variable IO product rate of 6.88% p.a.
SmartSaver Fixed investment IO products roll to an investment variable IO product rate of 6.88% p.a.

#Interest Only available up to 5 years, with max LVR 90%.

2All SmartFix rates are calculated on the basis that they roll to the variable SmartFit product rate at the end of the initial term. All SmartSaver Fixed rates are calculated on the basis that they roll to the variable SmartSaver product rate at the end of the initial term. Fixed rate Interest Only loans are calculated as Interest Only for the duration of the fixed term, rolling to Principal & Interest for the rest of the loan term. During an Interest Only period, Interest Only payments will not reduce the loan balance and so more may have to be paid over the life of the loan.

3Variable rate no application fee special offer
Offer applies to new lending only, no application fee (application fee is currently $299).
SmartFit owner occupied P&I maximum 80% LVR. Excludes Bridging and Construction loans.
SmartSaver owner occupied P&I maximum 80% LVR.
SmartFit Investment P&I and Interest Only maximum 80% LVR.
SmartSaver Investment P&I and Interest Only maximum 80% LVR.
Applications must be submitted between 12.01am AEST 26/08/2021 and 11.59pm AEST 15/10/2021.

We're here to help

Find your local BDM

Our BDMs are ready and waiting to help you.

Call Partner Assist

Get help with loan scenarios, lending policy, procedures and more. Available Monday to Friday between 8:30am and 5pm (CST).

Submit a scenario

Tell us about your loan scenario and we'll get back to you.

Adelaide Bank logo.
Connect with us
Bank-linkedin Bank-youtube

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

This website is for broker use only and any advice provided is of a general nature only. Information on this page can change without notice to you.
Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. GPO Box 1048, Adelaide SA 5001. Terms conditions and lending criteria apply.
© Copyright 2024 Adelaide Bank a division of Bendigo and Adelaide Bank Limited.