Residential rates and fees

Interest rates for new home loans

Variable owner occupied rates

Product type

Principal & Interest

Interest only

Effective from 19/01/2018

Interest rate

Comparison rate

Interest rate

Comparison rate

SmartFit
(LVR less than 90%)

4.09% p.a.

4.31% p.a.

4.54% p.a.

4.70% p.a.

SmartFit
(LVR greater than 90%)

4.49% p.a.

4.70% p.a.

n / a

n / a

SmartSaver
(LVR less than 90%)

4.04% p.a.

4.08% p.a.

4.49% p.a.

4.47% p.a.

SmartSaver
(LVR greater than 90%)

4.39% p.a.

4.43% p.a.

n / a

n / a

SmartDoc

5.25% p.a.

5.46% p.a.

5.70% p.a.

5.63% p.a.

SmartDoc Plus

5.39% p.a.

5.60% p.a.

5.84% p.a.

5.77% p.a.

Variable investment rates

Product type

Principal & Interest

Interest only

Effective from 19/01/2018

Interest rate

Comparison rate

Interest rate

Comparison rate

SmartFit
(LVR less than 90%)

4.79% p.a.

5.00% p.a.

5.04% p.a.

5.20% p.a.

SmartFit
(LVR greater than 90%)*

n / a

n / a

n / a

n / a

SmartSaver
(LVR less than 90%)

4.74% p.a.

4.78% p.a.

4.99% p.a.

4.97% p.a.

SmartSaver
(LVR greater than 90%)*

n / a

n / a

n / a

n / a

SmartDoc

5.75% p.a.

5.95% p.a.

6.00% p.a.

6.04% p.a.

SmartDoc Plus

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

1 year SmartFix

4.17% p.a.

4.67% p.a.

4.44% p.a.

4.70% p.a.

2 year SmartFix

4.35% p.a.

4.68% p.a.

4.35% p.a.

4.67% p.a.

3 year SmartFix

4.48% p.a.

4.70% p.a.

4.48% p.a.

4.69% p.a.

4 year SmartFix

4.60% p.a.

4.74% p.a.

4.74% p.a.

4.77% p.a.

5 year SmartFix

4.70% p.a.

4.79% p.a.

4.79% p.a.

4.80% p.a.

1 year SmartSaver

4.17% p.a.

4.41% p.a.

4.44% p.a.

4.43% p.a.

2 year SmartSaver

4.35% p.a.

4.42% p.a.

4.35% p.a.

4.42% p.a.

3 year SmartSaver

4.48% p.a.

4.45% p.a.

4.48% p.a.

4.45% p.a.

4 year SmartSaver

4.60% p.a.

4.50% p.a.

4.74% p.a.

4.54% p.a.

5 year SmartSaver

4.70% p.a.

4.56% p.a.

4.79% p.a.

4.59% p.a.

1 year SmartDoc

5.17% p.a.

5.45% p.a.

5.44% p.a.

5.47% p.a.

2 year SmartDoc

5.35% p.a.

5.48% p.a.

5.35% p.a.

5.47% p.a.

3 year SmartDoc

5.48% p.a.

5.52% p.a.

5.48% p.a.

5.51% p.a.

4 year SmartDoc

5.60% p.a.

5.58% p.a.

5.74% p.a.

5.61% p.a.

5 year SmartDoc

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

1 year SmartFix

4.27% p.a.

5.13% p.a.

4.74% p.a.

5.17% p.a.

2 year SmartFix

4.45% p.a.

5.10% p.a.

4.64% p.a.

5.13% p.a.

3 year SmartFix

4.58% p.a.

5.09% p.a.

4.69% p.a.

5.11% p.a.

4 year SmartFix

4.70% p.a.

5.10% p.a.

5.04% p.a.

5.20% p.a.

5 year SmartFix

4.80% p.a.

5.12% p.a.

5.09% p.a.

5.22% p.a.

1 year SmartSaver

4.27% p.a.

4.87% p.a.

4.74% p.a.

4.91% p.a.

2 year SmartSaver

4.45% p.a.

4.85% p.a.

4.64% p.a.

4.88% p.a.

3 year SmartSaver

4.58% p.a.

4.85% p.a.

4.69% p.a.

4.87% p.a.

4 year SmartSaver

4.70% p.a.

4.86% p.a.

5.04% p.a.

4.98% p.a.

5 year SmartSaver

4.80% p.a.

4.89% p.a.

5.09% p.a.

5.01% p.a.

1 year SmartDoc

5.27% p.a.

5.91% p.a.

5.74% p.a.

5.95% p.a.

2 year SmartDoc

5.45% p.a.

5.90% p.a.

5.64% p.a.

5.93% p.a.

3 year SmartDoc

5.58% p.a.

5.91% p.a.

5.69% p.a.

5.93% p.a.

4 year SmartDoc

5.70% p.a.

5.94% p.a.

6.04% p.a.

6.04% p.a.

5 year SmartDoc

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

SmartFix

4.49% p.a.

4.49% p.a.

4.99% p.a.

4.99% p.a.

SmartSaver

4.39% p.a.

4.39% p.a.

4.89% p.a.

4.89% p.a.

SmartDoc

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

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.

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 product rate at the end of the initial term. All SmartSaver Fixed rates are calculated on the basis that they roll to the variable SmartSaver product rate at the end of the initial term. All SmartDoc Fixed rates are calculated on the basis that they roll to the variable SmartDoc product rate at the end of the initial term. All comparison rates are calculated with a nil offset balance. Comparison rates for Interest Only variable loans are based on an initial 5 year Interest Only period and 20 years of Principal & Interest. During an interest only period, your interest only payments will not reduce your loan balance and so you may pay more interest over the life of the loan.

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.