Adelaide Bank Home Loan Review 2026

Adelaide Bank was the broker distributed home loan brand within Bendigo and Adelaide Bank Group. The group retired the Adelaide Bank brand for new lending as part of its move to fewer brands and banking systems.

Bendigo’s 2024 results confirmed the transition of broker lending to Bendigo branded products. In December 2025, Bendigo announced that more than 180,000 Adelaide Bank customer accounts had moved to its platform. That completed the group’s core banking consolidation.

For current lending options from the group, see our Bendigo Bank home loan review.

These names appeared in Adelaide Bank’s earlier home loan range. They can help you recognise old paperwork, but they aren’t products you can apply for today.

The old fixed rate offset was a reason some borrowers chose Adelaide Bank. If you have it, check the account terms before giving it up. Don’t assume a new Bendigo fixed loan has the same offset arrangements.

Our offset account guide explains what to compare, including the difference between offset money and available redraw.

Start with your current rate, balance, remaining term and fees. Then compare a new offer using the same loan amount and remaining term. That shows whether the saving comes from a better deal or simply paying the debt over more years.

Still on a fixed rate? Our break costs guide explains what to check before switching.

A new lender will check your income, living costs, other debts and property value, even if you have plenty of equity. If your work or family situation has changed, I’d check what you can borrow before asking Bendigo to close the old loan. That request is called a discharge.

Our refinancing guide explains the steps and costs. If business income is the issue, use the self employed home loans guide to compare how lenders can assess it.

I’d narrow the options using your income and property first. Once we know which lenders could take the loan, we can compare what switching would save you.

For a review of your existing loan, start with the latest loan statement, any fixed rate expiry notice and details of your offset balance. A refinance application will also need current income evidence, details of your other debts and expenses, identification and property information.

For self employed borrowers, the financial records required depend on the lender and the income method used. Don’t assume Adelaide Bank’s old document rules carry over to every Bendigo application.

Ask the lender you’re applying to about its current timing. Adelaide Bank’s old approval times won’t tell you how long a new Bendigo application will take.

Before giving up an older loan, I’d check whether you’d lose a useful feature, particularly an offset linked to a fixed rate. Then we can put a dollar figure on staying or switching.

Our Brisbane mortgage brokers can review your existing Adelaide Bank loan and compare the cost of staying or switching.