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Applying for a loan

We’d love to help you with your home loan needs. Here’s a snapshot of what to expect when you apply for a loan with us.

Deal with a broker, or with us direct.

Getting the help of an Adelaide Bank mortgage broker is a great way to apply for a loan with us. We can arrange for a broker to get in touch with you and they will discuss your home loan needs, paying attention to the features that not only suit you now, but will also cover your needs in the future.

We’re also here to help you if you’d like to contact us direct.

The choice is yours.

Before you apply for a loan you’ll need to provide:

  • Your gross annual income
  • Your income derived from any other sources
  • A list of your current assets, including estimated values
  • Your current liabilities, including credit limits
  • The approximate value of any property offered as security
  • What you can afford (our borrowing power calculator can help, or if you prefer your mortgage broker can guide you through the calculation).

You’ll also need to:

  • Consider whether you’d like a fixed or variable rate
  • Decide if you want to include your loan fees in the loan amount
  • Think about how you’d like to access your funds
  • Review your current home and contents insurance and update your cover if required.

Call us

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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