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Manage your home loan

We’re here to help you get the most out of your loan.

Getting ahead on your home loan

Lower interest paid on your loan - 100% offset account

An offset account is a type of account linked to our SmartFit (variable) and SmartFix (fixed loan) loan products that reduces the amount of interest you pay. A 100% offset account uses the entire balance to offset the interest, resulting in bigger savings.

Interest is calculated daily on the difference between your offset balance and your loan balance. This means that if you have a balance of $10,000 in your offset account and you owe $200,000 on your home loan, you will only be charged interest on $190,000 of your loan.

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Offset home loan
Banking made simple - 100% offset

Make and redraw additional repayments^

Easily manage your home loan and achieve your financial goals with our flexible repayment options. With our variable loan products, you can choose to make your minimal monthly repayments, but you also have the freedom to make as many additional payments as you like. With our fixed loan products, you have the option of making up to $20,000 of additional payments annually.

Unlock the power of your extra repayments with our Home Loan Redraw facility for our fixed and variable loan products - at no extra cost if you transfer them online. You can then access the surplus funds in your home loan without applying for further lending and use them towards your next life need. Keep in mind that redrawing your extra repayment also means that those funds are no longer reducing the interest on your home loan.

Take control of your repayment frequency

If you pay weekly or fortnightly repayments, you’ll end up making approximately an extra month’s worth of payments each year. Over time, the cumulative effect of reducing your loan balance and saving interest can be very helpful. A few dollars saved in the first month can become hundreds, and then thousands over the term of your loan. Please look at our repayment calculator to review your options.

Is your fixed rate ending soon?

Talk to us today about the options available to you.

Manage your mortgage and repayments

Learn about the ways to bank with us in order to keep track of your mortgage and repayments.
Online banking

Manage your banking online with ease, using Adelaide Bank Online Banking, 24 hours a day, 7 days a week.

Adelaide Bank app

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Speak with us

Our team is here to help Monday to Friday 8am - 8pm ACST. Saturday, Sunday and public holidays 9am - 4pm ACST. Excludes Christmas Day, Good Friday and Easter Sunday.

ATM & branch banking

Adelaide Bank customers can visit Bendigo Bank ATMs and branches throughout Australia to make withdrawals and deposits, complete telegraphic transfers and for bank cheques.

What is your next move?

Buying your next home

Whether you’re looking to sell your current house and buy another, or build a portfolio of investment properties, here are some tips to help you.

Investing in property

Thinking of buying and investment property? Here are some tips and background information to help get you started.

Switching your loan to us

We help all kinds of people refinance all kinds of homes.

Protecting your home

Protecting your home and contents is easy with Adelaide Bank.

Discharging your loan

All you need to know about discharging your mortgage. 

Things you should know

^Redraw is not automatic. You must provide consent to have this function set up and must have at least one repayment ahead, before you can redraw any funds so that you will not fall into arrears. For example, if a minimum monthly repayment is $2,500 and you have an ahead balance of $10,000, you can only withdraw $7,500 if this function is set up.

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Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.
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