Adelaide Bank home loan reviews

Adelaide Bank
Adelaide Bank's overall rating for home loans

(as rated by the Mozo community)

6.7 / 10

based on 277 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Adelaide Bank

Recent Adelaide Bank home loan reviews

Adelaide Bank

Adelaide Bank SmartFit (LVR>90%, Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Would recommend

I think their customer service is good, they are very helpful with any questions.

Full review

I think their customer service is good, they are very helpful with any questions.

    Customer service   10 / 10

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Elizabeth, Victoria, reviewed 9 months ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   10 / 10

Great customer service

While we go through financial hardship they are helping us.

Full review

While we go through financial hardship they are helping us.

    Price   9 / 10

Less

Loretta, South Australia, reviewed over 1 year ago

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

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Barry, South Australia, reviewed about 2 years 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, South Australia, reviewed over 2 years 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

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Donna, South Australia, reviewed over 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

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Rochelle, Western Australia, reviewed over 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, South Australia, reviewed almost 3 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, Queensland, reviewed almost 3 years ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   10 / 10

Ok

Ok

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Julleess88@hotmail.com, Victoria, reviewed almost 3 years ago

Adelaide Bank

Adelaide Bank SmartFix (Owner Occupier, Principal & Interest) (Fixed) home loan review

Overall rating   8 / 10

Nothing to say

Hi

    Price   10 / 10

    Features   10 / 10

    Customer service   5 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Jackson, Victoria, reviewed about 3 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

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Catherine, Victoria, reviewed about 3 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, Western Australia, reviewed about 3 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, South Australia, reviewed about 3 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

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   2 / 10

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Patric, Western Australia, reviewed about 3 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

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Mary, New South Wales, reviewed over 3 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, New South Wales, reviewed over 3 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

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Roxanne, Tasmania, reviewed over 3 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

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Cel, South Australia, reviewed over 3 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

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Liz, Queensland, reviewed over 3 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

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Neville, South Australia, reviewed over 3 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

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Michael, Queensland, reviewed over 3 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

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Henrik, South Australia, reviewed over 3 years ago

Adelaide Bank

Adelaide Bank home loan review

Overall rating   10 / 10

free

free

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Bob, Western Australia, reviewed over 3 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

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Colleen, South Australia, reviewed over 3 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

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Karen, Western Australia, reviewed over 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2018

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

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

    • A super-low 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

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low 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: 3.64% p.a. variable
    • Comparison rate*: 3.66% 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

    8.2

    Based on 636 loans.com.au 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

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    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: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • 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

    7.0

    Based on 109 HSBC 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

    3.68% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $0

    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: 3.68% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $0
    • 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

    7.1

    Based on 14 State Custodians home loan reviews

    Need more information?
    Go to site

    More info

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

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

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% 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
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 79 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    3.49% p.a. variable

    comparison rate*

    3.53% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 3.49% p.a. variable
    • Comparison rate*: 3.53% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - $10/month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

*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.

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*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.

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