As one of Australia's largest retail banks, Adelaide Bank began in 1994 as an offspring of the Co-operative Building Society of South Australia (the country's biggest building society at the time).
In 2007, it merged with Bendigo Bank and it's now the dedicated intermediary lending branch of the merged organisation. That means when you take out a home loan with Adelaide Bank, you can rest assured you're in the hands of experienced and devoted mortgage professionals.
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Rates and fees verified as correct at 10 September 2024. Other information correct at the time of writing. Advertiser disclosure.
If you’re after the security of fixed rates but also want a range of flexible features in your back pocket, then check out the fixed rate home loan on offer from Adelaide Bank. Available for up to 95% of the property’s value, for loan amounts ranging from $10,000 up to $5 million, this home loan allows borrowers to secure competitive rates over 1-5 year terms. It also comes with plenty of perks: free extra repayments up to $20,000 p.a., free redraws (minimum $1 applies), and even access to an offset account. You can also choose to split your loan between fixed and variable interest rates.
With this sort of versatility under its belt, it's little wonder why Adelaide Bank's SmartFix won two 2020 Mozo Experts Choice Awards for best Fixed Rate Loan and best Split Home Loan. For this loan, you’ll need to budget for application, settlement and monthly service fees, as well as a discharge fee.