Adelaide Bank SmartFit

The details shown below are for an owner occupier taking out a principal & interest loan between $10,000 and $5,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $10,000 and $5,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $10,000 and $5,000,000 with an LVR below 70%

The details shown below are for an investor taking out a principal & interest loan between $10,000 and $5,000,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $10,000 and $5,000,000 with an LVR below 70%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $10,000 $5,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $10,000 $5,000,000

  • Owner Occupier (Interest Only)

    LVR < 70%

    Loan: $10,000 $5,000,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $10,000 $5,000,000

  • Investor (Interest Only)

    LVR < 70%

    Loan: $10,000 $5,000,000

4.61% p.a.

4.82% p.a.

$15.00 monthly

Adelaide Bank SmartFit

4.61% p.a.

4.82% p.a.

$15.00 monthly

4.21% p.a.

4.43% p.a.

$15.00 monthly

Adelaide Bank SmartFit

4.21% p.a.

4.43% p.a.

$15.00 monthly

4.66% p.a.

4.87% p.a.

$15.00 monthly

Adelaide Bank SmartFit

4.66% p.a.

4.87% p.a.

$15.00 monthly

4.91% p.a.

5.12% p.a.

$15.00 monthly

Adelaide Bank SmartFit

4.91% p.a.

5.12% p.a.

$15.00 monthly

5.16% p.a.

5.37% p.a.

$15.00 monthly

Adelaide Bank SmartFit

5.16% p.a.

5.37% p.a.

$15.00 monthly

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 4.61% p.a.

  • n/a

  • 0 Months

  • none

  • 4.82% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $375.00

  • $0.00

  • $0.00

  • $120.00

  • none

  • $15.00 monthly

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 4.21% p.a.

  • n/a

  • 0 Months

  • none

  • 4.43% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $375.00

  • $0.00

  • $0.00

  • $120.00

  • none

  • $15.00 monthly

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 4.66% p.a.

  • n/a

  • 0 Months

  • none

  • 4.87% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $375.00

  • $0.00

  • $0.00

  • $120.00

  • none

  • $15.00 monthly

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 70.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 4.91% p.a.

  • n/a

  • 0 Months

  • none

  • 5.12% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $375.00

  • $0.00

  • $0.00

  • $120.00

  • none

  • $15.00 monthly

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • 5.16% p.a.

  • n/a

  • 0 Months

  • none

  • 5.37% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $375.00

  • $0.00

  • $0.00

  • $120.00

  • none

  • $15.00 monthly

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 70.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $500.00

  • yes

  • yes

  • none

  • none

Customer Reviews

How are Adelaide Bank home loans rated by the Mozo community?

Overall customer rating
6.7/10
Price
6.3/10
Features
6.1/10
Customer service
6.7/10
Convenience
6.1/10
Trust
6.8/10

Latest reviews of Adelaide Bank SmartFit

  • Overall
    10/10
    Would recommend

    I think their customer service is good, they are very helpful with any questions.

    I think their customer service is good, they are very helpful with any questions.

    Price
    -1/10
    Features
    -1/10
    Customer service
    10/10
    Convenience
    -1/10
    Trust
    -1/10

    Elizabeth | Victoria

    reviewed 7 months ago

  • Overall
    5/10
    Good interest rates

    Online banking is so old looking and clunky

    Online banking is so old looking and clunky

    Price
    6/10
    Features
    4/10
    Customer service
    4/10
    Convenience
    4/10
    Trust
    6/10

    Rochelle | Western Australia

    reviewed over 2 years ago

  • Overall
    3/10
    Change lenders

    Don't seem to stack up against other lenders - available for contact during business hours...

    Don't seem to stack up against other lenders - available for contact during business hours Adelaide time, making it more difficult to contact them from other states. Online banking solution again seems limited compared to other banks.

    Price
    4/10
    Features
    -1/10
    Customer service
    1/10
    Convenience
    1/10
    Trust
    2/10

    Patric | Western Australia

    reviewed about 3 years ago

  • Overall
    6/10
    Staff friendly

    Staff are friendly and helpful, monthly charges are a greedy impost, interest rate is too high...

    Staff are friendly and helpful, monthly charges are a greedy impost, interest rate is too high (they held back on some reserve bank reductions).

    Price
    6/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    6/10

    Henrik | South Australia

    reviewed over 3 years ago

  • Overall
    5/10
    Terrible customer service

    Terrible customer service.

    Terrible customer service.

    Price
    3/10
    Features
    4/10
    Customer service
    5/10
    Convenience
    5/10
    Trust
    5/10

    Anthony | New South Wales

    reviewed almost 5 years ago

Adelaide Bank

About Adelaide Bank

Adelaide Bank originally hails from South Australia, but today serves customers all around Australia. Adelaide Bank recently merged with Bendigo Bank to give the major banks a run for their money. So if you're looking for a banking alternative, check out Adelaide Bank to see if they have a home loan, personal loan, term deposit or bank account that suits your needs.

See Adelaide Bank home loans

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a. variable

3.66% p.a.

$520

NAB

NAB

Base Variable Rate Home Loan

3.69% p.a. variable

3.73% p.a.

$600

UBank

UBank

UHomeLoan - Offer

3.59% p.a. variable

3.59% p.a.

$0

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a. variable

3.69% p.a.

$150

HSBC

HSBC

Home Value Loan

3.64% p.a. variable

3.66% p.a.

$150

Tic:Toc

Tic:Toc

Fixed Home Loan

n/a

n/a

$0

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.72% p.a. variable

4.12% p.a.

$0

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a. variable

3.82% p.a.

$150

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a.

3.66% p.a.

$520

NAB

NAB

Base Variable Rate Home Loan

3.69% p.a.

3.73% p.a.

$600

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$150

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0

State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.64% p.a.

3.78% p.a.

$150

HSBC

HSBC

Home Value Loan

3.64% p.a.

3.66% p.a.

$150

Tic:Toc

Tic:Toc

Fixed Home Loan

n/a

n/a

$0

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

Queensland Country Credit Union

Queensland Country Credit Union

Ultimate Fixed Home Loan (Package)

n/a

n/a

$0

bcu

bcu

Fixed Rate Home Loan

3.90% p.a.
fixed 3 years

4.78% p.a.

$600

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

3.94% p.a.
fixed 3 years

4.81% p.a.

$0

NAB

NAB

Tailored Home Loan (Fixed)

4.04% p.a.
fixed 3 years

5.05% p.a.

$600

ME

ME

Flexible Home Loan (Fixed)

4.14% p.a.
fixed 3 years

4.81% p.a.

$400

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a.

3.66% p.a.

$0.00

NAB

NAB

Base Variable Rate Home Loan

3.69% p.a.

3.73% p.a.

$0.00

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0.00

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$0.00

HSBC

HSBC

Home Value Loan

3.64% p.a.

3.66% p.a.

$0.00

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.72% p.a.

4.12% p.a.

$395.00 yearly

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a.

3.82% p.a.

$10.00 monthly

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0.00

*WARNING: This comparison rate applies only to the example or 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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.