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 principal & interest loan between $10,000 and $5,000,000 with an LVR below 80%
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 principal & interest loan between $10,000 and $5,000,000 with an LVR below 80%
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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | 80%-90% | $10,000 | $5,000,000 |
| | Owner Occupier | Principal & Interest | < 80% | $10,000 | $5,000,000 |
| | Owner Occupier | Principal & Interest | 90%-95% | $10,000 | $5,000,000 |
| | Owner Occupier | Interest Only | < 80% | $10,000 | $5,000,000 |
| | Investor | Principal & Interest | 80%-90% | $10,000 | $5,000,000 |
| | Investor | Principal & Interest | < 80% | $10,000 | $5,000,000 |
| | Investor | Interest Only | < 80% | $10,000 | $5,000,000 |
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $10,000 $5,000,000
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $10,000 $5,000,000
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $10,000 $5,000,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $10,000 $5,000,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $10,000 $5,000,000
Investor (Principal & Interest)
LVR < 80%
Loan: $10,000 $5,000,000
Investor (Interest Only)
LVR < 80%
Loan: $10,000 $5,000,000
Looking for a low rate home loan to help you get into your dream home? Well, with competitive variable rates starting from 2.24% (2.28% comparison rate*), plus flexible features like extra repayments and a redraw facility, the SmartSaver loan from Adelaide Bank could be just what you’re after!
The Adelaide Bank SmartSaver home loan gets the ball rolling with competitive variable interest rates on loans between $10,000 and $5,000,000 for both owner occupiers and investors. The lowest rates currently on offer are:
Got a slighter lower deposit? No matter, because Adelaide Bank also offer rates starting from 2.79% (2.83% comparison rate*) for owner occupier borrowers with deposits as low as 10% (90% LVR). Just bear in mind that lenders mortgage insurance may be a requirement for deposits below 20%.
When it comes to repayments, Adelaide Bank gives customers the choice of making either weekly, fortnightly or monthly repayment options - so you’ll be able to tailor them to suit your budget.
Free extra repayments are also available, as is the option for borrowers to dip into those additional repayments via the free redraw facility should they ever need access to extra funds. Plus there’s a super low minimum redraw amount of just $1.
Not to mention, the SmartSaver loan also comes with a split account option, meaning you’ll be able to split a portion of your loan between a variable and fixed rate.
The Adelaide Bank SmartSaver loan could make a great home loan option for loads of Aussies, especially those after a loan with competitive variable rates for low deposit borrowers.
Just be aware that there are a couple of fees that you’ll need to budget for with the Adelaide Bank Smart Saver, such as the $299 application fee, $199 settlement fee and $325 discharge fee.
| 2.79% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.83% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $299.00 | |
| $0.00 | |
| $0.00 | |
| $199.00 | |
| n/a | |
| $0.00 | |
| $325.00 |
| $10,000 | |
| $5,000,000 | |
| 80.00% | |
| 90.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $1.00 | |
| yes | |
| no | |
| none | |
| 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.
| 2.24% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.28% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $299.00 | |
| $0.00 | |
| $0.00 | |
| $199.00 | |
| n/a | |
| $0.00 | |
| $325.00 |
| $10,000 | |
| $5,000,000 | |
| none | |
| 80.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $1.00 | |
| yes | |
| no | |
| none | |
| 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.
| 3.43% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.47% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $299.00 | |
| $0.00 | |
| $0.00 | |
| $199.00 | |
| n/a | |
| $0.00 | |
| $325.00 |
| $10,000 | |
| $5,000,000 | |
| 90.00% | |
| 95.00% |
| Owner Occupier | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $1.00 | |
| yes | |
| no | |
| none | |
| 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.
| 2.99% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.03% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $299.00 | |
| $0.00 | |
| $0.00 | |
| $199.00 | |
| n/a | |
| $0.00 | |
| $325.00 |
| $10,000 | |
| $5,000,000 | |
| none | |
| 80.00% |
| Owner Occupier | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $1.00 | |
| yes | |
| no | |
| none | |
| 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.
| 2.99% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 3.03% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $299.00 | |
| $0.00 | |
| $0.00 | |
| $199.00 | |
| n/a | |
| $0.00 | |
| $325.00 |
| $10,000 | |
| $5,000,000 | |
| 80.00% | |
| 90.00% |
| Investor | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $1.00 | |
| yes | |
| no | |
| none | |
| 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.
| 2.38% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.42% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $299.00 | |
| $0.00 | |
| $0.00 | |
| $199.00 | |
| n/a | |
| $0.00 | |
| $325.00 |
| $10,000 | |
| $5,000,000 | |
| none | |
| 80.00% |
| Investor | |
| Principal & Interest | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $1.00 | |
| yes | |
| no | |
| none | |
| 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.
| 2.78% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| 2.82% p.a. | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| n/a |
| $299.00 | |
| $0.00 | |
| $0.00 | |
| $199.00 | |
| n/a | |
| $0.00 | |
| $325.00 |
| $10,000 | |
| $5,000,000 | |
| none | |
| 80.00% |
| Investor | |
| Interest Only | |
| Weekly, Fortnightly, Monthly | |
| yes - free | |
| no | |
| yes - free | |
| $1.00 | |
| yes | |
| no | |
| none | |
| 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.
Excellent rates offered on home loan for both personal and investment. Had been easy dealing with customer service. Their online banking app is user friendly.
Read full reviewExcellent rates offered on home loan for both personal and investment. Had been easy dealing with customer service. Their online banking app is user friendly.
Great option. Great rates.
Read full reviewGreat option. Great rates.
In ten years only I've received one RBA interest rate cut
Read full reviewIn ten years only I've received one RBA interest rate cut
Very happy with service staff as they are very competent and friendly.
Read full reviewVery happy with service staff as they are very competent and friendly.
Been with them for 14 years, no problems.
Read full reviewBeen with them for 14 years, no problems.
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