Adelaide Bank Home Loan Products
Adelaide Bank Smart Fit
SmartFit is all about doing things your way. A fully featured home loan, you’ll get a highly competitive variable rate which includes 100% offset, free redraws, and added repayments penalty-free. You can also control how you pay with your choice of Principal + Interest or Interest-Only repayments.
Adelaide Bank Smart Fix
Why wonder about your loan repayment amount when you don’t have to? The Adelaide Bank Smart Fix fixed loan bring you a full list of features such as free redraw, 100% offset, additional repayments penalty-free, and Principal and Interest or Interest-Only repayments.
Adelaide Bank Smart Saver
Looking for a no-frills loan with just what you need and none of the fluff? SmartSaver is the Adelaide Bank refinancing loan for you. You get a straightforward home loan with a low variable rate. From there, you can enjoy benefits such as a redraw facility, penalty-free extra payments, and your choice of repayment with Principal and Interest or Interest-Only.
Adelaide Bank Smart Doc
You’re already self-employed, so why wouldn’t you call the shots with your loan just like your career? These variable rate loans have all the perks you could ask for with none of the standard financial paperwork. Includes 100% offset, free redraws, and multiple repayment terms such as Principal and Interest, and Interest-Only.
Adelaide Bank Smart Doc Fix
Self-employed? Enjoy all the benefits of a traditional fixed rate loan without all the normally required paperwork. You get the benefits of 100% offset and free redraws, and you control how to pay with flexible Principal and Interest or Interest Only repayments. Stop waiting and start seeing just how this loan can work for you.
Adelaide Bank Smart Doc Plus
Smart Doc Plus is your key to great home loans for the self-employed without the need for financial paperwork like pay slips or tax returns. This variable rate choice includes 100% offset, free redraws if you need them, multiple repayment options, and best of all no LMI required!
About Adelaide Bank Refinancing
The Adelaide Bank Refinancing Process
To enable Adelaide Bank to effectively process your refinancing application, you will need to provide some information about your objectives, and current financial situation. The information you may need to provide, will include the following:
- Personal information to confirm identity
- Gross income
- Borrowing power
- If you need home and contents insurance
- Current asset values
- Current credit limits and liabilities
- Security property value
- Time frame in which you need to access funds
- Whether or not your loan fees are included in the loan amount
- Whether or not you need a credit card linked to the loan
Questions You Should Be Asking
In order to get the best deal on an Adelaide Bank refinancing loan, you need to know which questions to ask. Adelaide Banks suggest three pertinent questions that customers should be asking when they look into refinancing.
What is around the corner?
It is important to make predictions based on your future circumstances or plans. This will give you some idea of what you will be able to afford on a monthly basis in the near future. Future investment, retirement plans or other life events all need to be taken into account here.
What are the refinancing costs?
Getting out of your existing loan agreement is not always easy and may incur a financial penalty. Your current lender will be able to supply details of this to you, so factor this in to your calculations as you seek to work out your best option. There may be registration costs associated with your new loan product also.
What other costs should I know about?
It is important to look beyond the interest rate when selecting a loan product. While it is attractive to go for cheapest refinance rate, you also need to be aware of any additional costs which might increase your costs to refinance.
A Refinancing.com.au loan specialist can help you with an Adelaide Bank Refinancing loan, speak to us today.