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) home loan review

Overall rating   8 / 10

Very happy customer

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

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 6 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.

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 7 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

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 12 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

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 12 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

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 about 1 year ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   8 / 10

Pretty good overall

Online apps are amazing. Very flexible.

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 about 1 year 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.

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 over 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.

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 over 1 year ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   9 / 10

Good customer service

Not enough branches.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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

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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.

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.

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 almost 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...

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 almost 2 years 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.

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 almost 2 years 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.

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 almost 2 years 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...

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 almost 2 years 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...

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 almost 2 years ago

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Home loan comparisons on Mozo Rates updated daily

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

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

    • Low interest rate available to purchases & refinance
    • 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

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    Upfront fees

    $520

    Go to site

    More info

    • Low interest rate available to purchases & refinance
    • 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: 3.59% p.a. variable
    • Comparison rate*: 3.61% 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: $2,000,000
    • 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

  • 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

  • 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

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier) (Premium Plus Package)

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time

    interest rate

    3.74% p.a. variable

    comparison rate*

    4.12% p.a.

    Upfront fees

    $0

    Go to site

    More info

    • Experts Choice - Home Lender of the Year 2016
    • $0 application fee. 100% offset facility available
    • Additional repayments and redraws at any time
    • Interest rate: 3.74% p.a. variable
    • Comparison rate*: 4.12% 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: 95.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • 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

  • IMB Bank Accelerator Home Loan (Owner Occupier, LVR<80%)

    IMB Bank Accelerator Home Loan (Owner Occupier, LVR<80%)

    • Life-of-loan discount off the standard variable rate
    • Special discounted rate for the first 2 years
    • 100% offset account

    interest rate

    3.74% p.a. variable for 24 months and then 4.59% variable

    comparison rate*

    4.49% p.a.

    Upfront fees

    $769

    Go to site

    More info

    • Life-of-loan discount off the standard variable rate
    • Special discounted rate for the first 2 years
    • 100% offset account
    • Interest rate: 3.74% p.a. variable for 24 months and then 4.59% variable
    • Comparison rate*: 4.49% p.a.
    • Upfront fees: $769
    • Ongoing fees: $0.00
    • Discharge fee: $50.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $300,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest, Interest Only
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.3

    Based on 20 IMB Bank 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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