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

Featured home loan from Adelaide Bank

Recent Adelaide Bank home loan reviews

Adelaide Bank

Adelaide Bank SmartSaver (LVR>90%, Owner Occupier, Principal & Interest) 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

Less

Barry (SA), reviewed over 1 year 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

Less

Edwin (SA), reviewed over 1 year ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier, Principal & Interest) (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

Less

Donna (SA), reviewed almost 2 years ago

Adelaide Bank

Adelaide Bank SmartFit (LVR<90%, Owner Occupier, Principal & Interest) 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

Less

Rochelle (WA), reviewed almost 2 years 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

Less

Kathryn (SA), reviewed almost 2 years 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 almost 2 years 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

Less

Catherine (VIC), reviewed about 2 years 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 2 years 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

Less

Dawn (SA), reviewed over 2 years ago

Adelaide Bank

Adelaide Bank SmartFit (LVR<90%, Owner Occupier, Principal & Interest) 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

Less

Patric (WA), reviewed over 2 years 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

Less

Mary (NSW), reviewed over 2 years 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

Less

Vivien (NSW), reviewed over 2 years ago

Adelaide Bank

Adelaide Bank SmartSaver (LVR>90%, Owner Occupier, Principal & Interest) 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

Less

Roxanne (TAS), reviewed over 2 years 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

Less

Cel (SA), reviewed over 2 years ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier, Principal & Interest) (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

Less

Liz (QLD), reviewed over 2 years 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

Less

Neville (SA), reviewed over 2 years 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

Less

Michael (QLD), reviewed over 2 years ago

Adelaide Bank

Adelaide Bank SmartFit (LVR<90%, Owner Occupier, Principal & Interest) 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 2 years ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier, Principal & Interest) (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

Less

Colleen (SA), reviewed over 2 years ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier, Principal & Interest) (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

Less

Karen (WA), reviewed over 2 years 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

Less

Anthony (NSW), reviewed over 2 years ago

Adelaide Bank

Adelaide Bank SmartSaver (LVR>90%, Owner Occupier, Principal & Interest) 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

Less

Wendy (VIC), reviewed over 2 years ago

Adelaide Bank

Adelaide Bank SmartSaver (LVR>90%, Owner Occupier, Principal & Interest) 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

Less

Jackie (SA), reviewed over 2 years ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier, Principal & Interest) (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

Less

Thuan (VIC), reviewed over 2 years ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier, Principal & Interest) (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

Less

Albert (NSW), reviewed almost 3 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.54% p.a. variable
    • Comparison rate*: 3.56% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Featured product

     

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required

    interest rate

    3.62% p.a. variable

    comparison rate*

    3.62% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required
    • Interest rate: 3.62% p.a. variable
    • Comparison rate*: 3.62% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $700,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

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

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.67% p.a.

    upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% 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: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • 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

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • 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 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC 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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