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Adelaide Bank SmartFix Home Loan

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The Adelaide Bank SmartFix Home Loan offers fixed rates from 5.39% p.a. (5.68% p.a. comparison rate*). Low deposit home loans.


Updated 14 September 2025


Fact checked and verified. Updated 14 September 2025
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* See details below

Interest Rates
Enter scenario to see relevant rates
I want to borrow
with a deposit of
for my
Principal & Interest(% p.a.)
Rate
Type
Interest
Rate
Comparison
Rate*

1 Year Fixed

5.64%

5.72%

2 Year Fixed

5.39%

5.68%

3 Year Fixed

5.39%

5.67%

4 Year Fixed

5.59%

5.73%

5 Year Fixed

5.59%

5.73%

Interest Only(% p.a.)
Rate
Type
Interest
Rate
Comparison
Rate*

1 Year Fixed

6.14%

5.80%

2 Year Fixed

5.89%

5.81%

3 Year Fixed

5.89%

5.83%

4 Year Fixed

6.09%

5.93%

5 Year Fixed

6.09%

5.96%

Expert Review

Product Details
Enjoy the benefits of a 100% offset account and the comfort of knowing exactly what your repayments will be."
- Adelaide Bank
Fees

•

$299 establishment fee

•

$15 ongoing monthly fee

Other fees may apply.

Loan Amount

•

From $10,000

Feature

•

Split your loan into fixed and variable rate portions

•

Save interest with an offset account

•

Make extra repayments

•

Redraw extra repayments that you have made

TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the Adelaide Bank website.

More information
* Comparison rate is based on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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