Interest rates for new home loans
Variable owner occupied rates | ||||
---|---|---|---|---|
Product type | Principal & Interest | Interest only | ||
Effective from 7/09/2018 | Interest rate | Comparison rate | Interest rate | Comparison rate |
SmartFit | 4.21% p.a. | 4.43% p.a. | 4.66% p.a. | 4.82% p.a. |
SmartFit | 4.61% p.a. | 4.82% p.a. | n/a | n/a |
SmartSaver | 4.16% p.a. | 4.20% p.a. | 4.61% p.a. | 4.59% p.a. |
SmartSaver | 4.51% p.a. | 4.55% p.a. | n/a | n/a |
5.37% p.a. | 5.58% p.a. | 5.82% p.a. | 5.75% p.a. | |
5.51% p.a. | 5.72% p.a. | 5.96% p.a. | 5.89% p.a. |
Variable investment rates | ||||
---|---|---|---|---|
Product type | Principal & Interest | Interest only | ||
Effective from 7/09/2018 | Interest rate | Comparison rate | Interest rate | Comparison rate |
SmartFit | 4.91% p.a. | 5.12% p.a. | 5.16% p.a. | 5.32% p.a. |
SmartFit | 5.11% p.a. | 5.32% p.a. | n/a | n/a |
SmartSaver | 4.86% p.a. | 4.90% p.a. | 5.11% p.a. | 5.09% p.a. |
SmartSaver | 5.01% p.a. | 5.05% p.a. | n/a | n/a |
5.87% p.a. | 6.07% p.a. | 6.12% p.a. | 6.16% p.a. | |
6.01% p.a. | 6.21% p.a. | 6.26% p.a. | 6.30% p.a. |
*Maximum LVR of 90% for investment products
Fixed owner occupied rate | ||||
---|---|---|---|---|
| Principal & Interest | Interest Only | ||
Effective from 7/09/2018 | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
3.79% p.a. | 4.75% p.a. | 4.44% p.a. | 4.80% p.a. | |
3.89% p.a. | 4.69% p.a. | 4.35% p.a. | 4.77% p.a. | |
3.99% p.a. | 4.66% p.a. | 4.48% p.a. | 4.78% p.a. | |
4.60% p.a. | 4.82% p.a. | 4.74% p.a. | 4.85% p.a. | |
4.70% p.a. | 4.86% p.a. | 4.79% p.a. | 4.88% p.a. | |
3.79% p.a. | 4.48% p.a. | 4.44% p.a. | 4.54% p.a. | |
3.89% p.a. | 4.44% p.a. | 4.35% p.a. | 4.52% p.a. | |
3.99% p.a. | 4.41% p.a. | 4.48% p.a. | 4.54% p.a. | |
4.60% p.a. | 4.58% p.a. | 4.74% p.a. | 4.62% p.a. | |
4.70% p.a. | 4.63% p.a. | 4.79% p.a. | 4.66% p.a. | |
5.17% p.a. | 5.56% p.a. | 5.44% p.a. | 5.58% p.a. | |
5.35% p.a. | 5.57% p.a. | 5.35% p.a. | 5.57% p.a. | |
5.48% p.a. | 5.61% p.a. | 5.48% p.a. | 5.60% p.a. | |
5.60% p.a. | 5.66% p.a. | 5.74% p.a. | 5.69% p.a. | |
5.70% p.a. | 5.72% p.a. | 5.79% p.a. | 5.73% p.a. |
Fixed investment rate | ||||
---|---|---|---|---|
| Principal & Interest | Interest Only | ||
Effective from 7/09/2018 | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
4.09% p.a. | 5.22% p.a. | 4.34% p.a. | 5.24% p.a. | |
4.09% p.a. | 5.13% p.a. | 4.29% p.a. | 5.16% p.a. | |
4.19% p.a. | 5.07% p.a. | 4.39% p.a. | 5.12% p.a. | |
4.70% p.a. | 5.18% p.a. | 5.04% p.a. | 5.28% p.a. | |
4.80% p.a. | 5.19% p.a. | 5.09% p.a. | 5.29% p.a. | |
4.09% p.a. | 4.96% p.a. | 4.34% p.a. | 4.98% p.a. | |
4.09% p.a. | 4.88% p.a. | 4.29% p.a. | 4.92% p.a. | |
4.19% p.a. | 4.83% p.a. | 4.39% p.a. | 4.88% p.a. | |
4.70% p.a. | 4.94% p.a. | 5.04% p.a. | 5.06% p.a. | |
4.80% p.a. | 4.96% p.a. | 5.09% p.a. | 5.08% p.a. | |
5.27% p.a. | 6.01% p.a. | 5.74% p.a. | 6.06% p.a. | |
5.45% p.a. | 5.99% p.a. | 5.64% p.a. | 6.02% p.a. | |
5.58% p.a. | 5.99% p.a. | 5.69% p.a. | 6.01% p.a. | |
5.70% p.a. | 6.01% p.a. | 6.04% p.a. | 6.12% p.a. | |
5.80% p.a. | 6.04% p.a. | 6.09% p.a. | 6.15% p.a. |
Roll to variable rates | ||||
---|---|---|---|---|
| Owner Occupied | Investment | ||
Effective from 7/09/2018 | Principal & Interest | Interest only | Principal & Interest | Interest only |
4.61% p.a. | 4.61% p.a. | 5.11% p.a. | 5.11% p.a. | |
4.51% p.a. | 4.51% p.a. | 5.01% p.a. | 5.01% p.a. | |
5.37% p.a. | 5.37% p.a. | 5.87% p.a. | 5.87% p.a. |
Interest Only available up to 5 years, with an LVR less than 80%.
Maximum LVR of 90% plus capitalised LMI for Investment products.
Fees and Charges
Terms, conditions, fees and charges apply. All information is correct as at 7/09/2018 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.