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

  • 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

Rate
2.73% p.a.
Comparison Rate
2.77% p.a.
Service fee
$0.00
Upfront fee
$498
Rate
2.49% p.a.
Comparison Rate
2.53% p.a.
Service fee
$0.00
Upfront fee
$498
Rate
3.43% p.a.
Comparison Rate
3.47% p.a.
Service fee
$0.00
Upfront fee
$498
Rate
2.99% p.a.
Comparison Rate
3.03% p.a.
Service fee
$0.00
Upfront fee
$498
Rate
3.03% p.a.
Comparison Rate
3.07% p.a.
Service fee
$0.00
Upfront fee
$498
Rate
2.79% p.a.
Comparison Rate
2.83% p.a.
Service fee
$0.00
Upfront fee
$498
Rate
2.99% p.a.
Comparison Rate
3.03% p.a.
Service fee
$0.00
Upfront fee
$498

Mozo editorial review Adelaide Bank SmartSaver

Last updated: 27 October 2020.

binocular icon
What's hot
  • 2020 Mozo Experts Choice Award
  • Low variable interest rates from 2.73% p.a. (2.77% p.a. comparison rate*)
  • No ongoing monthly fees
  • Free extra loan repayments & split loan option
What's not
  • $299 application fee
Mozo snapshot

Looking for the right home loan to help you lock in your dream home? Well, with competitive variable rates starting from 2.73% p.a. (2.77% p.a. comparison rate*), a low 10% minimum deposit requirement, plus, flexible features to boot, the 2020 Mozo Experts Choice Award winning Adelaide Bank Smart Saver could be just the thing you’re after!

key icon
Key features

The Adelaide Bank Smart Saver home loan gets the ball rolling with competitive variable interest rates starting from 2.73% p.a. (2.77% p.a. comparison rate*) on owner-occupier loans between $10,000 and $5,000,000, with a maximum LVR of 90% - so you can borrow with a deposit as low as 10%.

Keep in mind that there are different variable interest rates available depending on your deposit size and loan type. On top of this, the Adelaide Bank Smart Saver gives you the choice of either weekly, fortnightly or monthly repayment options, so you’ll be able to tailor them to suit your budget and lifestyle.

In addition, this loan comes with a range of flexible features, such as free extra loan repayments and the ability to dip into those additional repayments via the free redraw facility should you ever need access to extra funds. Plus there’s a super low minimum redraw amount of just $1.

Not to mention, the Adelaide Bank Smart Saver 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.

snapshot
Who is it good for

The Adelaide Bank Smart Saver could make a great home loan option for loads of Aussies, especially those after a loan with a low deposit threshold (minimum 10% deposit) that also comes with a few great features.

question icon
Any catches

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 a $299 application fee, $199 settlement fee and $350 discharge fee.

Details

Rates and fees information correct as at 19 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
  • 2.73% p.a.

  • n/a

  • n/a

  • n/a

  • 2.77% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $0.00

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $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.

Details

Rates and fees information correct as at 19 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
  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • 2.53% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $0.00

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $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.

Details

Rates and fees information correct as at 19 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
  • 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

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $0.00

  • $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

  • $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.

Details

Rates and fees information correct as at 19 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
  • 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

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $0.00

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $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.

Details

Rates and fees information correct as at 19 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
  • 3.03% p.a.

  • n/a

  • n/a

  • n/a

  • 3.07% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $0.00

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $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.

Details

Rates and fees information correct as at 19 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
  • 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

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $0.00

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $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.

Details

Rates and fees information correct as at 19 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
  • 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

Fees
  • $299.00

  • $0.00

  • $0.00

  • $199.00

  • n/a

  • $0.00

  • $325.00

Other financial bits
  • $10,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $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.

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 SmartSaver

  • Overall 9/10
    Happy customer.

    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 review

    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.

    Price
    8/10
    Features
    9/10
    Customer service
    7/10
    Convenience
    10/10
    Trust
    9/10
    Less
    Jackie, Victoria reviewed about 2 months ago
  • Overall 8/10
    Great customer service.

    Great option. Great rates.

    Read full review

    Great option. Great rates.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    5/10
    Trust
    8/10
    Less
    Sean, New South Wales reviewed 11 months ago
  • Overall 0/10
    Money hungry

    In ten years only I've received one RBA interest rate cut

    Read full review

    In ten years only I've received one RBA interest rate cut

    Price
    0/10
    Features
    0/10
    Customer service
    5/10
    Convenience
    5/10
    Trust
    0/10
    Less
    Glenn, Victoria reviewed over 1 year ago
  • Overall 8/10
    Very happy customer

    Very happy with service staff as they are very competent and friendly.

    Read full review

    Very happy with service staff as they are very competent and friendly.

    Price
    8/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Barry, South Australia reviewed over 4 years ago
  • Overall 10/10
    Great service in my branch

    Been with them for 14 years, no problems.

    Read full review

    Been with them for 14 years, no problems.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Roxanne, Tasmania reviewed over 5 years ago
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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

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2.34% p.a. variable

2.34% p.a.

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2.19% p.a. variable

2.19% p.a.

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Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

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Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

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Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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2.17% p.a. variable

2.20% p.a.

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Smart Booster Home Loan

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

2.47% p.a.

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UBank

UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.27% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

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Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

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Well Home Loans

Well Balanced

2.17% p.a. variable

2.20% p.a.

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Smart Booster Home Loan

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

2.47% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

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Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

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86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

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Well Home Loans

Well Balanced

2.17% p.a.

2.20% p.a.

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People's Choice Credit Union

Basic Variable Home Loan

2.49% p.a.

2.49% p.a.

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Suncorp

Back to Basics

2.54% p.a.

2.55% p.a.

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Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

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UBank

UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.27% p.a.

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Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

2.19% p.a.
fixed 3 years

3.03% p.a.

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People's Choice Credit Union

Fixed Rate Home Loan (Package)

1.99% p.a.
fixed 3 years

3.62% p.a.

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Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

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Smart Booster Home Loan

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

2.47% p.a.

$0.00

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

$0.00

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Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

$0.00

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86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

$0.00

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Well Home Loans

Well Balanced

2.17% p.a.

2.20% p.a.

$0.00

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Yard

Variable Home Loan Special

2.09% p.a.

2.12% p.a.

$0.00

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Newcastle Permanent

Real Deal Home Loan

2.59% p.a.

2.63% p.a.

$0.00

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GMCU

Basic Variable

2.33% p.a.variable for 24 months and then 3.82% p.a.

3.71% p.a.

$8.00 monthly

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.