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Seeing is believing

Seeing is believing with great rates and 100% offset, even on fixed. So next time you’re looking around to get your customer a great deal, consider Adelaide Bank.

Great products, personal service, and a reputation for excellence within the broker industry*.

*2021 5-Star Banks Australian Broker Award.

Owner occupied

Variable rate

Effective from 20/09/2021

Loan Principal & interest Principal & interest comparison rate*
SmartFit (≤80% LVR)†3 2.24% p.a. 2.48% p.a.

Not applicable for Bridging & Construction loans

Application fee waived


Special fixed rates

Effective from 20/09/2021

Loan Principal & interest Principal & interest comparison rate*
1 year SmartFix (≤80% LVR)^2 1.99% p.a. 2.46% p.a.
2 year SmartFix (≤80% LVR)^2 2.09% p.a. 2.46% p.a.
3 year SmartFix (≤80% LVR)^2 2.29% p.a. 2.49% p.a.

 

Investment

Variable rates

Effective from 20/09/2021

Loan Principal & interest Principal & interest comparison rate*
SmartFit (≤80% LVR)†3 2.38% p.a. 2.62% p.a.
SmartFit (≤90% LVR) 2.99% p.a. 3.22% p.a.

Application fee waived

Australian-based all the way

State-based BDMs treat your business like it’s their own
Partner Assist team for added BDM-level phone support
Assessment centres throughout the country

What makes our home loans stand out?

100% offset, 100% of the time (even on fixed rates)
Simple fee structures with no package fees or requirements for additional products
Market leading bridging finance with no rate loading

Hear what our BDMs and their brokers have to say

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BDM Jess waving at the camera
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BDM Sam smiling at camera
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BDM Sanjay smiling at broker

Practical home loans. Competitive rates.

A couple standing in front of their new home admiring it together.
Offset loan

A fully featured, flexible home loan that offers 100% offset, 100% of the time, even on fixed rates. (Now that's something you don't see every day.)

A young couple settling the deal with their broker.
Basic loan

With no monthly fees, this low rate home loan offers the flexibility of variable or fixed rates.

Couple in a successful meeting with their broker.
Construction loan

With a variable rate and an offset account from settlement, our construction finance is the smart way to fund a build.

Businesswoman shaking hands with her client agreeing on the deal.
Bridging loan

It’s bridging finance, but not as you know it. With no rate premium and servicing calculated on end debt, our finance is designed to take the stress out of buying before selling.

Want to talk?

Find your local BDM

Our BDMs are ready and waiting to help you.

Call Partner Assist

Our team of specialists are available to take your call Monday to Friday between 8:30am and 5:30pm (CST).

Get started with us now

Things you should know

*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. 
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 20/09/2021
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 rate of 2.24% p.a.
SmartSaver Fixed owner occupied P&I maximum 80% LVR products roll to an owner occupied variable P&I product rate of 2.24% p.a.
SmartFix owner occupied IO maximum 80% LVR products roll to an owner occupied variable IO product rate of 2.24% p.a.
SmartSaver Fixed owner occupied IO maximum 80% LVR products roll to an owner occupied variable IO product rate of 2.24% p.a.

SmartFix owner occupied P&I above 80% LVR products roll to an owner occupied variable P&I product rate of 2.79% p.a.
SmartSaver Fixed owner occupied P&I above 80% LVR products roll to an owner occupied variable P&I product rate of  2.79% p.a.
SmartFix owner occupied IO above 80% LVR products roll to an owner occupied variable P&I product rate of 2.79% p.a.
SmartSaver Fixed owner occupied IO above 80% LVR products roll to an owner occupied variable P&I product rate of 2.79% p.a.

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.

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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.
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