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 interest only loan between $10,000 and $5,000,000 with an LVR below 80%

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 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

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

  • Owner Occupier (Interest Only)

    LVR < 80%

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

  • Investor (Principal & Interest)

    LVR < 90%

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

  • Investor (Interest Only)

    LVR < 80%

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

Fixed 3 year rate
2.05% p.a.
Comparison Rate
2.80% p.a.
Service fee
$15.00 monthly
Upfront fee
$498
Fixed 3 year rate
2.94% p.a.
Comparison Rate
3.02% p.a.
Service fee
$15.00 monthly
Upfront fee
$498
Fixed 3 year rate
2.35% p.a.
Comparison Rate
3.09% p.a.
Service fee
$15.00 monthly
Upfront fee
$498
Fixed 3 year rate
2.55% p.a.
Comparison Rate
3.14% p.a.
Service fee
$15.00 monthly
Upfront fee
$498

Details

Rates and fees information correct as at 18 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.05% (2.90%*)

  • 2.05% (2.85%*)

  • 2.05% (2.80%*)

  • 2.29% (2.82%*)

  • 2.34% (2.81%*)

  • n/a

  • n/a

  • 2.73% p.a.

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $15.00 monthly

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $1.00

  • yes

  • yes

  • Extra repayment up to $20,000 p.a.

  • none

  • none

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.

Details

Rates and fees information correct as at 18 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (2.97%*)

  • 2.84% (2.98%*)

  • 2.94% (3.02%*)

  • 3.34% (3.16%*)

  • 3.34% (3.20%*)

  • n/a

  • n/a

  • 2.73% p.a.

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $15.00 monthly

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $1.00

  • yes

  • yes

  • Extra repayment up to $20,000 p.a.

  • none

  • none

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.

Details

Rates and fees information correct as at 18 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.35% (3.20%*)

  • 2.35% (3.14%*)

  • 2.35% (3.09%*)

  • 2.59% (3.12%*)

  • 2.69% (3.13%*)

  • n/a

  • n/a

  • 3.03% p.a.

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $15.00 monthly

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $1.00

  • yes

  • yes

  • Extra repayment up to $20,000 p.a.

  • none

  • none

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.

Details

Rates and fees information correct as at 18 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.55% (3.22%*)

  • 2.55% (3.18%*)

  • 2.55% (3.14%*)

  • 2.79% (3.18%*)

  • 2.89% (3.21%*)

  • n/a

  • n/a

  • 3.03% p.a.

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $15.00 monthly

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $1.00

  • yes

  • yes

  • Extra repayment up to $20,000 p.a.

  • none

  • none

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.

Customer Reviews

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

Overall
6.6/10
Price
6.3/10
Features
6.1/10
Customer service
6.7/10
Convenience
6.1/10
Trust
6.7/10

Latest reviews of Adelaide Bank SmartFix

  • Overall 3/10
    I would not use eMoney again

    Initially i used eMoney for my first home loan. Upon refinancing for a second property I made contact with them weeks ago to confirm discharge of the loan and to confirm settlement dates. They have failed to meet settlement date let alone the earlier date they provided. They are messing with people's lives for the sake of earning interest from money that is rightfully not theirs. Very disappointed at being let down after being a good customer and remaining exponentially in front on my repayments.

    Read full review

    Initially i used eMoney for my first home loan. Upon refinancing for a second property I made contact with them weeks ago to confirm discharge of the loan and to confirm settlement dates. They have failed to meet settlement date let alone the earlier date they provided. They are messing with people's lives for the sake of earning interest from money that is rightfully not theirs. Very disappointed at being let down after being a good customer and remaining exponentially in front on my repayments.

    Price
    6/10
    Features
    4/10
    Customer service
    1/10
    Convenience
    4/10
    Trust
    1/10
    Less
    Joseph, Western Australia reviewed 3 months ago
  • Overall 9/10
    Great products, great customer service

    Have never had any problems with Adelaide bank setting up the loan, re fixing interest rates, withdrawal facilities and contacting on the phone

    Read full review

    Have never had any problems with Adelaide bank setting up the loan, re fixing interest rates, withdrawal facilities and contacting on the phone

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Donna, South Australia reviewed almost 5 years ago
  • Overall 8/10
    Nothing to say

    Hi

    Price
    10/10
    Features
    10/10
    Customer service
    5/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Jackson, Victoria reviewed about 5 years ago
  • Overall 8/10
    Great customer service

    Overall I'm getting a good interest rate from this bank and I'm happy with the services over the phone because there are no branches in Brisbane.

    Read full review

    Overall I'm getting a good interest rate from this bank and I'm happy with the services over the phone because there are no branches in Brisbane.

    Price
    8/10
    Features
    9/10
    Customer service
    6/10
    Convenience
    5/10
    Trust
    8/10
    Less
    Liz, Queensland reviewed over 5 years ago
  • Overall 4/10
    Not visible in the market

    As there are no branches, there is no personal service, no ATM etc. No real problems but am nervous about their time in the market and will be looking to move. Think l can do better.

    Read full review

    As there are no branches, there is no personal service, no ATM etc. No real problems but am nervous about their time in the market and will be looking to move. Think l can do better.

    Price
    5/10
    Features
    5/10
    Customer service
    4/10
    Convenience
    2/10
    Trust
    3/10
    Less
    Colleen, South Australia reviewed over 5 years ago
Thumbnail icon for 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

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan - Discount Offer

2.34% p.a. variable

2.34% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

Thumbnail icon for Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

2.09% p.a.
fixed 3 years

3.67% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.27% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

Thumbnail icon for Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

2.09% p.a.
fixed 3 years

3.67% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Basic Variable Home Loan

2.49% p.a.

2.49% p.a.

Thumbnail icon for Suncorp

Suncorp

Back to Basics

2.54% p.a.

2.55% p.a.

Thumbnail icon for Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.27% p.a.

Thumbnail icon for Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.19% p.a.
fixed 3 years

3.03% p.a.

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

2.09% p.a.
fixed 3 years

3.67% p.a.

Thumbnail icon for Bank of Queensland

Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

Thumbnail icon for Qudos Bank

Qudos Bank

Fixed Rate Home Loan

2.19% p.a.
fixed 3 years

2.68% p.a.

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.