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Fixed Rate Home Loans - Adelaide Bank - 5 yr fixed SmartFix

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Call 1800 466 050
Adelaide Bank
Comparison Rate 7.07%
Amount $200,000
Term 30 years
Initial Payment Est. $1,466.14
Monthly Payment Est. $1,253.00
Total Amount Paid Est. $468,055
Establishment Fee $595.00

7.99%

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Loan Features for Adelaide Bank - 5 yr fixed SmartFix
SmartFix rate option provides investors and homebuyers with the security of knowing how much interest is payable during the fixed period, with:
- interest rates fixed for 3 and 5 years
- the option to repay up to $20,000 extra per year during the fixed period and free electronic redraw, without penalty
- 3 and 5 year products both roll to the variable SmartFit rate after the fixed period unless refixing is requested
With a SmartSuite Home Loan, funds in the offset balance can be accessed through ATMs, Online Banking, Express Line and other standard means.

This loan is suitable for
Self Employed or PAYG (as per lending guidelines)

Home Loan Loan Term
Minimum 5 years
Maximum 30 years

Home Loan Loan Size
Minimum loan amount $10K
No Maximum (may be restricted by LMI)

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Home Loan Repayment Type
Principal and Interest or Interest Only.
Interest Only for up to 10 years
3 Year SmartFix or 5 Year SmartFix (for interest only loans, the fixed rate term must not exceed the length of the interest only period).

Repayment Options
Weekly, fortnightly or monthly repayments, (principal and interest)
Monthly repayments (interest only)
Payments automatically debit from the offset balance

Extra Repayments
Variable rate - Additional repayments may be made at any time without penalty.
Fixed rate - Maximum of $20,000 per annum in excess of normal repayments is permitted, after which break costs may apply. Funds can be transferred to from the offset balance to the loan portion via online banking.
There is no maximum deposit limit for the offset portion

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Split Loan Facility
Split your loan into fixed or variable portions
An additional $100 loan application fee applies per split

Offset
Yes, 100% offset on both fixed and variable rates

Redraw Facility
Free online/phone banking redraws. Manual redraw requests - $50.
Minimum redraw amount $500


LVR for Fixed Rate Home Loans - Adelaide Bank - 5 yr fixed SmartFix

Owner Occupier Maximum LVR 90% plus capitalised LMI
Investment Maximum LVR 90% plus capitalised LMI
Refinancing Maximum LVR 90% plus capitalised LMI
Construction Maximum LVR N/A

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Fees for Fixed Rate Home Loans - Adelaide Bank - 5 yr fixed SmartFix

Application Fee $595 (Go Between incurs an additional $200)
Monthly Administration fee: $10 per month charged to the loan in arrears on the anniversary of the loan.
Settlement fee: $100 (Fee displayed as Mortgage Preparation)
Funds Disbursement fee: $15
Loan Variation fee: $350
Split Loan fee: $100
Redraw fee Electronic redraw: nil fee. Manual redraw fee $50.
Deferred Establishment fee:
0 - 12 months 0.70% of loan amount as at contract date
13 - 24 months 0.53% of loan amount as at contract date
25 - 36 months 0.35% of loan amount as at contract date
37 - 48 months 0.18% of loan amount as at contract date
Discharge Admin fee $325
Break Costs fees may be payable in certain circumstances, refer to lender for further details.

 
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The comparison rate applies only to $200,000 with a loan term of 30 years. The loan amount and term will affect the comparison rate calculation. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparsion rate calculation but may influence the cost of the loan.

This rate is to be used as a guide only and we recommend that you confirm it with the lender before acting upon it.

The information provided in this website is a guide only and may not be complete for your purposes. Ratesonline.com.au is not licensed to provide investment advice and recommends that you consult an independent financial adviser.
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