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Loan comparison table

SmartFit

Home loan with a variable rate and 100% offset

SmartFix

Home loan with a rate fixed for 1 to 5 years and 100% offset

SmartSaver

No frills home loan with a competative rate and no monthly fees

SmartSaver Fixed

Home loan with a rate fixed for 1 to 5 years and no monthly fees

SmartDoc

Lo Doc home loan with a variable rate and 100% offset

SmartDoc Fix

Lo Doc home loan with a rate fixed for 1 to 5 years and 100% offset

SmartDoc Plus

Lo Doc home loan with a variable rate and 100% offset. 
Does not require LMI.

Rates & Fees

Rates & Fees

Rates & Fees

Rates & Fees

Rates & Fees

Rates & Fees

Rates & Fees

Rates & Fees

Interest rate Interest rate:Interest rate Interest rate:Interest rate Interest rate:Interest rate Interest rate:Interest rate Interest rate:Interest rate Interest rate:Interest rate Interest rate:Interest rate
Rate type Rate type:Variable rate Rate type:Fixed rate Rate type:Variable rate Rate type:Fixed rate Rate type:Variable rate Rate type:Fixed rate Rate type:Variable rate
Application fee Application fee:$375 Application fee:$375 Application fee:$375 Application fee:$375 Application fee:$375 Application fee:$375 Application fee:$375
Settlement fee Settlement fee:$120 Settlement fee:$120 Settlement fee:$120 Settlement fee:$120 Settlement fee:$120 Settlement fee:$120 Settlement fee:$120
Monthly administration fee Monthly administration fee:$15 Monthly administration fee:$15 Monthly administration fee:Nil Monthly administration fee:Nil Monthly administration fee:$15 Monthly administration fee:$15 Monthly administration fee:$15
Lenders Mortgage Insurance (LMI) Lenders Mortgage Insurance (LMI):if loan to property value exceeds 80% Lenders Mortgage Insurance (LMI):if loan to property value exceeds 80% Lenders Mortgage Insurance (LMI):if loan to property value exceeds 80% Lenders Mortgage Insurance (LMI):if loan to property value exceeds 80% Lenders Mortgage Insurance (LMI):if loan to property value exceeds 60% Lenders Mortgage Insurance (LMI):if loan to property value exceeds 60% Lenders Mortgage Insurance (LMI):N/A

Features

Features

Features

Features

Features

Features

Features

Features

Offset facility Offset facility:full offset Offset facility:full offset Offset facility:not available Offset facility:not available Offset facility:full offset Offset facility:full offset Offset facility:full offset
Redraw Redraw:yes Redraw:yes Redraw:yes Redraw:yes Redraw:yes Redraw:yes Redraw:yes
Online and Phone Banking Online and Phone Banking:yes Online and Phone Banking:yes Online and Phone Banking:yes Online and Phone Banking:yes Online and Phone Banking:yes Online and Phone Banking:yes Online and Phone Banking:yes
Repayment options Repayment options:Principal & Interest
Interest Only
Repayment options:Principal & Interest
Interest Only
Repayment options:Principal & Interest
Interest Only
Repayment options:Principal & Interest
Interest Only
Repayment options:Principal & Interest
Interest Only
Repayment options:Principal & Interest
Interest Only
Repayment options:Principal & Interest
Interest Only
Extra repayments allowed Extra repayments allowed:Unlimited Extra repayments allowed:Up to $20,000 p.a Extra repayments allowed:Unlimited Extra repayments allowed:Up to $20,000 p.a Extra repayments allowed:Unlimited Extra repayments allowed:Up to $20,000 p.a Extra repayments allowed:Unlimited
Loan term Loan term5 to 30 years Loan term5 to 30 years Loan term5 to 30 years Loan term5 to 30 years Loan term5 to 30 years Loan term5 to 30 years Loan term5 to 30 years
Construction Construction:yes Construction:yes Construction:Not available Construction:Not available Construction:yes Construction:yes Construction:Not available
Maximum loan to property value(LVR) Maximum loan to property value(LVR):95% Maximum loan to property value(LVR):95% Maximum loan to property value(LVR):95% Maximum loan to property value(LVR):95% Maximum loan to property value(LVR):80% Maximum loan to property value(LVR):80% Maximum loan to property value(LVR):70%
Bridging finance available Bridging finance available:yes
Min $200 fee applies
Bridging finance available:yes
Min $200 fee applies
Bridging finance available:Not available Bridging finance available:Not available Bridging finance available:yes
Min $200 fee applies
Bridging finance available:yes
Min $200 fee applies
Bridging finance available:Not available
Available for cash out / equity release Available for cash out / equity release:yes Available for cash out / equity release:yes Available for cash out / equity release:maximum $100,000 Available for cash out / equity release:maximum $100,000 Available for cash out / equity release:subject to LMI requirements Available for cash out / equity release:subject to LMI requirements Available for cash out / equity release: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.