Home loans.


Adelaide Bank SmartSuite offers your clients a term loan, complete with 100% offset and their choice of a 1 to 5 year fixed rate or a competitive variable rate.

Fixed interest rate.

Our SmartFix and SmartDoc Fixed rate options provides investors and homebuyers with the security of knowing how much interest is payable during the fixed period, with:

  • 100% offset whilst on a fixed rate
  • interest rates fixed for 1-5 years
  • no requirement to take out a variable rate loan as well
  • the option to repay up to $20,000 extra per year during the fixed period and free electronic redraw, without penalty
  • All SmartFix fixed rate terms roll to the variable SmartFit rate after the fixed period unless refixing is requested.
  • All SmartDoc fixed rate terms roll to the variable SmartDoc Variable rate after the fixed period unless refixing is requested.

Variable rate.

Our Variable SmartFit rate offers great flexibility with:

  • an interest rate which can move in line with current economic trends
  • the option to pay lump sums off the mortgage without penalty.


SmartSaver is our flexible, no frills home loan with a competitive variable rate and no monthly administration fees. Saving your customers time and money, SmartSaver offers:

  • a competitive rate
  • no monthly administration fees
  • free online and phone banking redraw
  • unlimited voluntary repayments
  • choice of principal and interest or interest only repayments.

Lo Doc

SmartDoc (including SmartDoc Plus) loans do not require your clients to provide supporting evidence of income. SmartDoc suits self employed and, in some cases, PAYG borrowers. Our SmartDoc loan offers:

  • unlimited additional repayments without penalty
  • free electronic redraw (minimum $500)
  • choice of repayment frequency
  • LVRs up to 80% plus capitalised LMI
  • Choice of SmartDoc Variable, SmartDoc Fixed rates or SmartDoc Plus Variable

Bridging Finance (Go-Between)

A Go-between loan offers your client an easy way to purchase a new home before selling your existing one. Rather than need to make two sets of loan repayments while you are selling your existing home, no repayments are required on the new home loan during the Go-Between period. Our Go-Between loan offers:

  • LVR's up to 85% for standard loans or 80% for SmartDoc (including capitalised interest)
  • Interest capitalisation for up to 6 months
  • Assessment is based on the end debt amount

100% offset.

Our SmartSuite home loans (except SmartSaver) include all the benefits of a 100% offset account. This allows your client to see at a glance what their offset balance and loan balance is on their statement. The offset balance accrues interest at the loan rate and reduces the interest payable on the loan. This means that your client does not get charged interest on that part of the loan balance that is equivalent to the offset balance on any given day.

Split option.

Clients enjoy the best of both worlds by splitting their loan into two portions; one with the predictability of a fixed rate and the other with the flexibility of a variable rate.

Home investment.

Any of Adelaide Bank's home loan products can be used for investment purposes with these additional benefits:

  • borrow up to 90% of the property's value (P&I only)
  • interest only for up to ten years, then principal and interest for the remaining term (max LVR 90% plus capitalised LMI).

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 SmartFix rates are calculated on the basis that they roll to the variable SmartFit rate at the end of the initial term. All SmartDoc Fixed rates are calculated on the basis that they roll to the variable SmartDoc rate at the end of the initial term. All comparison rates are calculated with a nil offset balance. 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 the cost of the loan. Terms, conditions, fees and charges apply. All information is correct as at 16 October 2014 and is subject to change. Full details available on application. Lending criteria apply. Adelaide Bank a Division of Bendigo and Adelaide Bank Limited ABN 11 068 049 178. Australian Credit Licence/AFSL 237879. Contact us at our Adelaide office, 80 Grenfell St, Adelaide, SA, 5000.

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