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Residential

We consistently deliver smart, simple home loan products designed for both investor and owner occupied purposes. Our great low rates are available on loans starting from just $10,000.

Of course, our offering is about more than just flexible loan products. We’ re also known for our quick turn-around times, personal service, and friendly and knowledgeable staff.

We also offer innovative online services that enhance your clients’ experience such as online statements and budgeting tools.

SmartFit

a fully featured variable product

A variable rate loan allows customers the flexibility to take advantage of interest rate decreases as repayments and interest charges change with the market.

Our SmartFit variable rate loan includes:

  • 100% offset transaction facility
  • competitive variable rate
  • unlimited additional repayments without penalty
  • free electronic redraw (minimum $500)
  • minimum loan amount $10,000
  • ability to split with our popular fixed rate product
  • no variation fees

SmartFix

a fully featured fixed product

Choosing a fixed rate gives your customer the peace of mind that their home loan repayments will not change over the fixed period.

Our SmartFix loan includes:

  • 100% offset transaction facility
  • extra loan repayments up to $20,000 p.a. without penalty
  • free electronic redraw (minimum $500)
  • choice of repayment frequency
  • no fee to refix your loan for 1 to 5 years at the end of your fixed rate term, or
  • at the end of the fixed rate term, loan automatically rolls to the low SmartFit variable rate
  • no variation fees

SmartSaver

a great low variable rate

A home loan with a competitive variable rate and comparison rate, and no monthly administrative fees.

Our SmartSaver loan offers:

  • free electronic redraw (minimum $500)
  • unlimited extra repayments without penalty
  • no ongoing administration fees
  • choice of repayment frequency
  • ability to split with our popular fixed rate product

SmartDoc &

 

 


Smart
Doc Plus

low doc lending products

SmartDoc loans do not require your customer to provide evidence of income.

SmartDoc suits self-employed borrowers.

Our SmartDoc loan offers:

  • 100% offset transaction facility
  • free electronic redraw (minimum $500)
  • choice of repayment frequency
  • choice of variable or fixed rates
  • unlimited extra repayments while on variable rate
  • extra loan repayments up to $20,000 p.a. allowed without penalty when on fixed rate
  • decrease to the SmartFit or Smartfix rates by providing financials at any time.

Go-Between

a bridging finance product

Our Go-Between loan offers your customer an easy way to purchase a new home before selling their existing one.

  • LVRs up to 85% for standard loans or 80% for SmartDoc (including capitalised interest)
  • interest capitalised for up to 6 months
  • assessment is based on the end debt amount


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 is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 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 at 80 Grenfell St, Adelaide, SA, 5000

Copyright © 1995-2011 Adelaide Bank a Division of Bendigo and Adelaide Bank Limited ABN 11 068 049 178