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 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!
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.
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.
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.
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
$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
$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.
2.49% 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
$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
$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
$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
$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.
3.03% 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
$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
$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.
2.79% 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
none
80.00%
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.
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%
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.
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.
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.
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.
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.
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.
People's Choice Credit Union
Fixed Rate Home Loan (Package)
1.99% p.a.
fixed 3 years
3.62% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
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.
$0.00
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
$0.00
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.
