Adelaide Bank home loan reviews

Adelaide Bank
Adelaide Bank's overall rating for home loans

(as rated by the Mozo community)

6.8 / 10

based on 61 reviews

Price

Features

Customer service

Convenience

Trust

Full review

Featured home loan from Adelaide Bank

Recent Adelaide Bank home loan reviews

Adelaide Bank

Adelaide Bank SmartSaver (LVR<90%, Owner Occupier) home loan review

Overall rating   8 / 10

Very happy customer

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

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

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Barry (SA), reviewed 3 months ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   9 / 10

They have great customer services.

The reason why I like this bank is because they have great services.

Full review

The reason why I like this bank is because they have great services.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Edwin (SA), reviewed 5 months ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier) (Fixed) home loan review

Overall rating   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

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

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Donna (SA), reviewed 9 months ago

Adelaide Bank

Adelaide Bank SmartFit (LVR<90%, Owner Occupier) home loan review

Overall rating   5 / 10

Good interest rates

Online banking is so old looking and clunky

Full review

Online banking is so old looking and clunky

    Price   6 / 10

    Features   4 / 10

    Customer service   4 / 10

    Convenience   4 / 10

    Trust   6 / 10

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Rochelle (WA), reviewed 9 months ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   8 / 10

Great customer service

They are easy to talk to and you actually speak to someone in Australia

Full review

They are easy to talk to and you actually speak to someone in Australia

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Kathryn (SA), reviewed 10 months ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   8 / 10

Pretty good overall

Online apps are amazing. Very flexible.

Full review

Online apps are amazing. Very flexible.

    Price   8 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Bronwyn (QLD), reviewed 11 months ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   5 / 10

Good for low doc loan, but don't rely on promises

They offered us a good deal to begin with but were very disappointed when the weren't able to keep to the agreed promise.

Full review

They offered us a good deal to begin with but were very disappointed when the weren't able to keep to the agreed promise.

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   6 / 10

    Trust   2 / 10

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Catherine (VIC), reviewed about 1 year ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   4 / 10

Customer service is acceptable at this time

Adelaide Bank does not have many bank machines in WA.

Full review

Adelaide Bank does not have many bank machines in WA.

    Price   5 / 10

    Features   6 / 10

    Customer service   5 / 10

    Convenience   2 / 10

    Trust   5 / 10

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Igors (WA), reviewed about 1 year ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   9 / 10

Good customer service

Not enough branches.

Full review

Not enough branches.

    Price   10 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   6 / 10

    Trust   10 / 10

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Dawn (SA), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartFit (LVR<90%, Owner Occupier) home loan review

Overall rating   3 / 10

Change lenders

Don't seem to stack up against other lenders - available for contact during business hours Adelaide time, making it more difficult to contact them from other states. Online banking solution again seems limited compared to other banks.

Full review

Don't seem to stack up against other lenders - available for contact during business hours Adelaide time, making it more difficult to contact them from other states. Online banking solution again seems limited compared to other banks.

    Price   4 / 10

    Features   -1 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   2 / 10

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Patric (WA), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   10 / 10

Interest rate

Great home loan rate.

Full review

Great home loan rate.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Mary (NSW), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   4 / 10

Variety of product types. Impersonal service.

I use this bank because of the product type - otherwise, service is impersonal (online or telephone) if efficient.

Full review

I use this bank because of the product type - otherwise, service is impersonal (online or telephone) if efficient.

    Price   1 / 10

    Features   4 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   7 / 10

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Vivien (NSW), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartSaver (LVR<90%, Owner Occupier) home loan review

Overall rating   10 / 10

Great service in my branch

Been with them for 14 years, no problems.

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

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Roxanne (TAS), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   5 / 10

Good customer skills

Nice people and helpful.

Full review

Nice people and helpful.

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10

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Cel (SA), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier) (Fixed) home loan review

Overall rating   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.

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

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Liz (QLD), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   7 / 10

Great

Good bank to deal with, very friendly staff. Always good with financial advice. Very competitive interest rates.

Full review

Good bank to deal with, very friendly staff. Always good with financial advice. Very competitive interest rates.

    Price   8 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Neville (SA), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   1 / 10

Not good

I am not happy with Adelaide Bank.

Full review

I am not happy with Adelaide Bank.

    Price   1 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   1 / 10

    Trust   0 / 10

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Michael (QLD), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartFit (LVR<90%, Owner Occupier) home loan review

Overall rating   6 / 10

Staff friendly

Staff are friendly and helpful, monthly charges are a greedy impost, interest rate is too high (they held back on some reserve bank reductions).

Full review

Staff are friendly and helpful, monthly charges are a greedy impost, interest rate is too high (they held back on some reserve bank reductions).

    Price   6 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   6 / 10

Less

Henrik (SA), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier) (Fixed) home loan review

Overall rating   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.

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

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Colleen (SA), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier) (Fixed) home loan review

Overall rating   4 / 10

Need to up their customer service

I have asked for help with something and it has been months since they have got back to me.

Full review

I have asked for help with something and it has been months since they have got back to me.

    Price   5 / 10

    Features   3 / 10

    Customer service   3 / 10

    Convenience   2 / 10

    Trust   7 / 10

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Karen (WA), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   7 / 10

Ok for a bank!

Our home loan allows us to have a pre approved loan feature which is handy if the need arises but only for those who manage their budget and aren't prone to impulse buys! The customer service is pretty good but to find out the best way to...

Full review

Our home loan allows us to have a pre approved loan feature which is handy if the need arises but only for those who manage their budget and aren't prone to impulse buys! The customer service is pretty good but to find out the best way to organise things they needed a little poking and prodding. As much as you can love a bank these guys are ok by me.

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   2 / 10

    Trust   6 / 10

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Anthony (NSW), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartSaver (LVR<90%, Owner Occupier) home loan review

Overall rating   10 / 10

Great customer service

I have been with this bank for over 20 years and have never found them to be anything but helpful, diligent in their dealings in saying that I always keep a close eye on all my accounts and check all my statements.

Full review

I have been with this bank for over 20 years and have never found them to be anything but helpful, diligent in their dealings in saying that I always keep a close eye on all my accounts and check all my statements.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Wendy (VIC), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartSaver (LVR<90%, Owner Occupier) home loan review

Overall rating   8 / 10

Great service

I like Adelaide bank because it's a local Bank.

Full review

I like Adelaide bank because it's a local Bank.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Jackie (SA), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier) (Fixed) home loan review

Overall rating   10 / 10

Great interest rate and fantastic customer service

Adelaide Bank offers a great fixed home loan rate. The customer service is excellent. I can get someone to help me immediately when I call up for help. They talk politely and in a friendly manner. Their net banking facilities are also easy to use...

Full review

Adelaide Bank offers a great fixed home loan rate. The customer service is excellent. I can get someone to help me immediately when I call up for help. They talk politely and in a friendly manner. Their net banking facilities are also easy to use and very friendly. Fast approval and easy to understand terms and conditions.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Thuan (VIC), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier) (Fixed) home loan review

Overall rating   2 / 10

Rates poorly in customer service.

Decreases in official interest rates are not passed on to borrowers promptly nor eventually in full. Simple requests for variations in repayment levels and other matters relating to an investment loan need to be processed by AFG Home Loans and...

Full review

Decreases in official interest rates are not passed on to borrowers promptly nor eventually in full. Simple requests for variations in repayment levels and other matters relating to an investment loan need to be processed by AFG Home Loans and then passed onto Adelaide Bank decision. A definite time consuming and irritating formality which reflects the inadequacies of present day banking.

    Price   5 / 10

    Features   5 / 10

    Customer service   4 / 10

    Convenience   2 / 10

    Trust   1 / 10

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Albert (NSW), reviewed over 1 year ago

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Home loan comparisons on Mozo Rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan - (LVR<80%, Owner Occupier)

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.60% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Option to fix full loan or split between fixed and variable
    • Redraw available. Flexible repayments
    • Loan repayment pause available
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.60% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.7

    Based on 35 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • Community First Credit Union Special 3 Year Fixed Rate Home Loan (Owner Occupier)

    Community First Credit Union Special 3 Year Fixed Rate Home Loan (Owner Occupier)

    • 100% offset account attached
    • No monthly or annual fees
    • Make additional repayments up $25,000 p.a without penalty

    interest rate

    3.69% p.a.
    fixed 3 years

    comparison rate*

    4.93% p.a.

    Upfront fees

    $990

    Go to site

    More info

    • 100% offset account attached
    • No monthly or annual fees
    • Make additional repayments up $25,000 p.a without penalty
    • Interest rate: 3.69% p.a.
      fixed 3 years
    • Comparison rate*: 4.93% p.a.
    • Upfront fees: $990
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free up to $25,000 p.a.
    • Redraw facility: yes - fees apply
    • Offset account: yes
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Monthly, Fortnightly, Weekly
    Overall rating

    8.5

    Based on 4 Community First Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Breathe Easy Spring Special (LVR<80%, Owner Occupier)

    State Custodians Breathe Easy Spring Special (LVR<80%, Owner Occupier)

    • $0 Annual Fee, $0 Application Fee
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.72% p.a. variable

    comparison rate*

    3.75% p.a.

    Upfront fees

    $286

    Go to site

    More info

    • $0 Annual Fee, $0 Application Fee
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.72% p.a. variable
    • Comparison rate*: 3.75% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $1,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
    Go to site

    More info

  • Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

    Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%)

    • Free redraw and unlimited repayments
    • 100% mortgage offset account
    • No upfront or ongoing fees

    interest rate

    3.73% p.a. variable

    comparison rate*

    3.73% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Free redraw and unlimited repayments
    • 100% mortgage offset account
    • No upfront or ongoing fees
    • Interest rate: 3.73% p.a. variable
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $295.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 70.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 27 Beyond Bank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    Gateway Credit Union Variable Rate Home Loan (LVR<80%, Owner Occupier) (Premium Package)

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts

    interest rate

    3.73% p.a. variable

    comparison rate*

    4.05% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Ability to make unlimited bulk repayments without penalty
    • Offers borrowers up to three free splits
    • Access extra features such as multiple offset accounts
    • Interest rate: 3.73% p.a. variable
    • Comparison rate*: 4.05% p.a.
    • Upfront fees: $0
    • Ongoing fees: $299.00 yearly
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - free
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.6

    Based on 8 Gateway Credit Union home loan reviews

    Need more information?
    Go to site

    More info

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* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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