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Rates and Fees
Interest rate

Interest rate

Interest rate

Interest rate

Interest rate

Interest rate

Interest rate

Rate type Variable rate Fixed rate Variable or Fixed rate Variable rate Fixed rate Variable rate
Application fee $375   $375 $375 $375 $375 $375
Monthly administration fee $15 $15 Nil $15 $15 $15
Lenders Mortgage Insurance (LMI) if loan to property value exceeds 80% if loan to property value exceeds 80%

if loan to property value exceeds 80%

if loan to property value exceeds 60% if loan to property value exceeds 60%

N/A

Features
Offset facility full offset

full offset

not available

full offset

full offset

full offset

Redraw

Yes

Yes

Yes

Yes

Yes

Yes

Online and Phone Banking  

Yes

Yes

Yes

Yes

Yes

 Yes

Repayment options

 Principal & Interest
Interest Only

 Principal & Interest
Interest Only

 Principal & Interest
Interest Only

 Principal & Interest
Interest Only

 Principal & Interest
Interest Only

 Principal & Interest
Interest Only

Extra repayments allowed

 Unlimited

 up to $20,000 p.a

 Unlimited for Variable rate and up tp $20,000 p.a for Fixed rate

 Unlimited

 up to $20,000 p.a

 Unlimited

Loan term

 5 to 30 years

 5 to 30 years

 5 to 30 years

 5 to 30 years

 5 to 30 years

 5 to 30 years

Maximum loan to property value (LVR) 

 95%

 95%

95%

 80%

 80%

 70%

Bridging finance available  

Yes

Min $200 fee applies

 

Yes

Min $200 fee applies

 Not available

 

Yes

Min $200 fee applies

 

Yes

Min $200 fee applies

 

 

 

 Not available

 

Construction  

Yes

Building loan fee applies

 

Yes

Building loan fee applies

 Not available

 

Yes

Building loan fee applies

 

Yes

Building loan fee applies

 

 

 

 Not available

 

 Available for cash out / equity release  

Yes

 

Yes

 maximum $50,000

 subject to LMI requirements

 subject to LMI requirements

 Not available

*Rates apply for all loans approved on or after 14/04/2015

Important information about comparison rates: The comparison rates displayed are calculated for a loan amount of $150,000 over a 25 year loan term. All SmartFix rates are calculated on the basis that they roll to the variable SmartFit rate at the end of the initial term. All SmartDoc Fixed rates are calculated on the basis that they roll to the variable SmartDoc rate at the end of the initial term. All comparison rates are calculated with a nil offset balance.

Warning: This comparison rate applies only to 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.

Terms, conditions, fees and charges apply.  All information is correct as at 14 April 2015 and is subject to change. Full details available on application. Lending criteria apply.  Adelaide Bank a Division of Bendigo and Adelaide Bank Limited ABN 11 068 049 178. Australian Credit Licence/AFSL 237879. GPO Box 1048, Adelaide SA 5001.