Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | 80%-95% | $10,000 | $5,000,000 |
|
|
Owner Occupier | Interest Only | < 80% | $10,000 | $5,000,000 |
|
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Investor | Principal & Interest | < 90% | $10,000 | $5,000,000 |
|
|
Investor | Interest Only | < 80% | $10,000 | $5,000,000 |
Looking for a home loan with both competitive fixed interest rates and handy features? The Adelaide Bank SmartSaver Fixed home loan comes with flexible bonus features so you can pay down your loan how you want to. Not only that, customers can borrow anywhere between $10,000 and $5,000,000 with as little as a 5% deposit.
When it comes to competitive fixed interest rates and flexible features, Adelaide Bank’s SmartSaver Fixed home loan has both. Whether you are looking to lock in a rate for one year or a few, this loan comes with a bunch of fixed rates below 6.40% across it’s 1 to 4 year terms - starting from its lowest 6.29% 1 year fixed rate (6.12% comparison rate*).
And after the fixed term is up, the rate will revert to a solid variable rate of 6.09% for the remainder of the loan.
With the Adelaide Bank SmartSaver Fixed home loan, customers have the ability to borrow anywhere between $10,000 and $5,000,000 - and can have an LVR as high as 95%. However, for borrowers with a deposit lower than 20% (or LVR higher than 80%), you will be required to pay lenders mortgage insurance (LMI).
And if you are after flexible options, this loan has them. Not only can you choose to make weekly, fortnightly or monthly repayments, customers can also make extra repayments and have access to a redraw facility if they need to dip into their additional contributions later on.
Remember, there is a cap on how many extra repayments you can make per year with this loan - up to $20,000.
This loan could be suitable for a potential borrower with a small deposit or large deposit looking to lock in a low rate, as you can qualify for this loan even if you have a deposit or equity in the property as little as 5%.
While there are no ongoing fees attached to this home loan, just remember there are a few one-off costs you’ll face - like a $299 application fee, $199 settlement fee and a $325 discharge fee.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.29% (6.12%*) |
|
|
6.29% (6.13%*) |
|
|
6.29% (6.15%*) |
|
|
6.39% (6.20%*) |
|
|
6.39% (6.23%*) |
|
|
n/a |
|
|
n/a |
|
|
6.09% p.a. |
|
$299.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$199.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$325.00 |
|
$10,000 |
|
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$5,000,000 |
|
|
80.00% |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $20,000 p.a. |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
no |
|
|
Valuation fee on application. |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.79% (6.20%*) |
|
|
6.79% (6.27%*) |
|
|
6.79% (6.32%*) |
|
|
6.79% (6.38%*) |
|
|
6.79% (6.43%*) |
|
|
n/a |
|
|
n/a |
|
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6.09% p.a. |
|
$299.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$199.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$325.00 |
|
$10,000 |
|
|
$5,000,000 |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $20,000 p.a. |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
no |
|
|
Valuation fee on application. |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.49% (6.48%*) |
|
|
6.49% (6.48%*) |
|
|
6.49% (6.49%*) |
|
|
6.59% (6.53%*) |
|
|
6.59% (6.54%*) |
|
|
n/a |
|
|
n/a |
|
|
6.43% p.a. |
|
$299.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$199.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$325.00 |
|
$10,000 |
|
|
$5,000,000 |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $20,000 p.a. |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
no |
|
|
Valuation fee on application. |
|
|
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.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.59% (6.49%*) |
|
|
6.59% (6.50%*) |
|
|
6.64% (6.53%*) |
|
|
6.74% (6.58%*) |
|
|
6.74% (6.60%*) |
|
|
n/a |
|
|
n/a |
|
|
6.43% p.a. |
|
$299.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$199.00 |
|
|
n/a |
|
|
$0.00 |
|
|
$325.00 |
|
$10,000 |
|
|
$5,000,000 |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $20,000 p.a. |
|
|
no |
|
|
yes - free |
|
|
$1.00 |
|
|
yes |
|
|
no |
|
|
Valuation fee on application. |
|
|
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.
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Offset Home Loan (Package)
6.15% p.a. variable
6.40% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Offset Home Loan (Package)
6.15% p.a.
6.40% p.a.
Basic Home Loan
6.15% p.a.
6.17% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Basic Home Loan (Fixed)
6.09% p.a.
fixed 3 years
6.19% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% 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.
