Interest rates for new home loans
Variable owner occupied rates | ||||
---|---|---|---|---|
| Principal & Interest | Interest only | ||
Effective from 19/01/2018 | Interest rate | Comparison rate | Interest rate | Comparison rate |
Variable SmartFit | 4.09% p.a. | 4.31% p.a. | 4.54% p.a. | 4.70% p.a. |
Variable SmartFit | 4.49% p.a. | 4.70% p.a. | n / a | n / a |
Variable SmartSaver | 4.04% p.a. | 4.08% p.a. | 4.49% p.a. | 4.47% p.a. |
Variable SmartSaver | 4.39% p.a. | 4.43% p.a. | n / a | n / a |
5.25% p.a. | 5.46% p.a. | 5.70% p.a. | 5.63% p.a. | |
5.39% p.a. | 5.60% p.a. | 5.84% p.a. | 5.77% p.a. |
Variable investment rates | ||||
---|---|---|---|---|
| Principal & Interest | Interest only | ||
Effective from 19/01/2018 | Interest rate | Comparison rate | Interest rate | Comparison rate |
Variable SmartFit | 4.79% p.a. | 5.00% p.a. | 5.04% p.a. | 5.20% p.a. |
Variable SmartFit | n / a | n / a | n / a | n / a |
Variable SmartSaver | 4.74% p.a. | 4.78% p.a. | 4.99% p.a. | 4.97% p.a. |
Variable SmartSaver | n / a | n / a | n / a | n / a |
5.75% p.a. | 5.95% p.a. | 6.00% p.a. | 6.04% p.a. | |
5.89% p.a. | 6.09% p.a. | 6.14% p.a. | 6.18% p.a. |
*Maximum LVR of 90% for investment products
Fixed owner occupied rate | ||||
---|---|---|---|---|
| Principal & Interest | Interest Only | ||
Effective from 19/01/2018 | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
4.17% p.a. | 4.67% p.a. | 4.44% p.a. | 4.70% p.a. | |
4.35% p.a. | 4.68% p.a. | 4.35% p.a. | 4.67% p.a. | |
4.48% p.a. | 4.70% p.a. | 4.48% p.a. | 4.69% p.a. | |
4.60% p.a. | 4.74% p.a. | 4.74% p.a. | 4.77% p.a. | |
4.70% p.a. | 4.79% p.a. | 4.79% p.a. | 4.80% p.a. | |
4.17% p.a. | 4.41% p.a. | 4.44% p.a. | 4.43% p.a. | |
4.35% p.a. | 4.42% p.a. | 4.35% p.a. | 4.42% p.a. | |
4.48% p.a. | 4.45% p.a. | 4.48% p.a. | 4.45% p.a. | |
4.60% p.a. | 4.50% p.a. | 4.74% p.a. | 4.54% p.a. | |
4.70% p.a. | 4.56% p.a. | 4.79% p.a. | 4.59% p.a. | |
5.17% p.a. | 5.45% p.a. | 5.44% p.a. | 5.47% p.a. | |
5.35% p.a. | 5.48% p.a. | 5.35% p.a. | 5.47% p.a. | |
5.48% p.a. | 5.52% p.a. | 5.48% p.a. | 5.51% p.a. | |
5.60% p.a. | 5.58% p.a. | 5.74% p.a. | 5.61% p.a. | |
5.70% p.a. | 5.65% p.a. | 5.79% p.a. | 5.66% p.a. |
Fixed investment rate | ||||
---|---|---|---|---|
| Principal & Interest | Interest Only | ||
Effective from 19/01/2018 | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
4.27% p.a. | 5.13% p.a. | 4.74% p.a. | 5.17% p.a. | |
4.45% p.a. | 5.10% p.a. | 4.64% p.a. | 5.13% p.a. | |
4.58% p.a. | 5.09% p.a. | 4.69% p.a. | 5.11% p.a. | |
4.70% p.a. | 5.10% p.a. | 5.04% p.a. | 5.20% p.a. | |
4.80% p.a. | 5.12% p.a. | 5.09% p.a. | 5.22% p.a. | |
4.27% p.a. | 4.87% p.a. | 4.74% p.a. | 4.91% p.a. | |
4.45% p.a. | 4.85% p.a. | 4.64% p.a. | 4.88% p.a. | |
4.58% p.a. | 4.85% p.a. | 4.69% p.a. | 4.87% p.a. | |
4.70% p.a. | 4.86% p.a. | 5.04% p.a. | 4.98% p.a. | |
4.80% p.a. | 4.89% p.a. | 5.09% p.a. | 5.01% p.a. | |
5.27% p.a. | 5.91% p.a. | 5.74% p.a. | 5.95% p.a. | |
5.45% p.a. | 5.90% p.a. | 5.64% p.a. | 5.93% p.a. | |
5.58% p.a. | 5.91% p.a. | 5.69% p.a. | 5.93% p.a. | |
5.70% p.a. | 5.94% p.a. | 6.04% p.a. | 6.04% p.a. | |
5.80% p.a. | 5.98% p.a. | 6.09% p.a. | 6.08% p.a. |
Roll to variable rates | ||||
---|---|---|---|---|
| Owner Occupied | Investment | ||
Effective from 19/01/2018 | Principal & Interest | Interest only | Principal & Interest | Interest only |
4.49% p.a. | 4.49% p.a. | 4.99% p.a. | 4.99% p.a. | |
4.39% p.a. | 4.39% p.a. | 4.89% p.a. | 4.89% p.a. | |
5.25% p.a. | 5.25% p.a. | 5.75% p.a. | 5.75% p.a. |
Interest Only available up to 5 years, with an LVR less than 70%.
Maximum LVR of 90% for Investment products.
Fees and Charges
Terms, conditions, fees and charges apply. All information is correct as at 19/01/2018 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.