Home loan interest rates

Rates effective from: 14-Jul-17

Residential lending interest rates

Variable

Owner Occupied Lending

Connect Package Home Loan Principal & Interest $20 monthly fee rate2 Principal & Interest Comparison rate1 Interest Only $20 monthly fee rate2 Interest Only Comparison rate1
For loans greater than $500,000 4.23% p.a. 4.52% p.a. 5.03% p.a. 5.34% p.a.
For loans between $250,000 and $499,999 4.33% p.a. 4.62% p.a. 5.13% p.a. 5.44% p.a.
For loans between $0 and $249,999 4.53% p.a. 4.82% p.a. 5.33% p.a. 5.64% p.a.
Basic Home Loan Principal & Interest $10 monthly fee rate Principal & Interest Comparison rate1 Interest Only $10 monthly fee rate Interest Only Comparison rate1
Variable Rate 4.38% p.a. 4.56% p.a. 5.18% p.a. 5.43% p.a.
Residential Home Loan Principal & Interest Reference rate Principal & Interest Comparison rate1 Interest Only Reference rate Interest Only Comparison rate1
Residential Variable Rate 5.48% p.a. 5.66% p.a. 5.78% p.a. 5.78% p.a.
Home Equity Loan Principal & Interest $10 monthly fee rate Principal & Interest Comparison rate1 Interest  only $10 monthly fee rate Interest only Comparison rate1
Variable N/A N/A 5.88% p.a. N/A
Green Home Loan Principal & Interest Interest rate Principal & Interest Comparison rate1 Interest only Interest rate Interest only Comparison rate1
For loans greater than $500,000 4.58% p.a. 4.63% p.a. N/A N/A
For loans between $250,000 and $499,999 4.68% p.a. 4.73% p.a. N/A N/A
For loans between $50,000 and $249,999 4.88% p.a. 4.94% p.a. N/A N/A
For loans less than $50,000 4.98% p.a. 5.04% p.a. N/A N/A
Low Doc Variable Rate Loan Principal & Interest $10 monthly fee rate Principal & Interest Comparison rate1 Interest only $10 monthly fee rate Interest only Comparison rate1
Low Doc Variable Rate Loan 5.68% p.a. 5.86% p.a. 6.48% p.a.   6.73% p.a.

Residential Investment Lending

Connect Package Home Loan Principal & Interest $20 monthly fee rate2 Principal & Interest Comparison rate1 Interest Only $20 monthly fee rate2 Interest Only Comparison rate1
For loans greater than $500,000 4.91% p.a. 5.20% p.a. 5.46% p.a. 5.77% p.a.
For loans between $250,000 and $499,999 5.01% p.a. 5.30% p.a. 5.56% p.a. 5.87% p.a.
For loans between $0 and $249,999 5.21% p.a. 5.49% p.a. 5.76% p.a. 6.07% p.a.
Basic Home Loan Principal & Interest $10 monthly fee rate Principal & Interest Comparison rate1 Interest Only $10 monthly fee rate Interest Only Comparison rate1
Variable Rate 5.06% p.a. 5.24% p.a 5.61% p.a. 5.86% p.a.
Residential Home Loan Principal & Interest Reference rate Principal & Interest Comparison rate1 Interest Only Reference rate Interest Only Comparison rate1
Residential Investment Rate 6.01% p.a. 6.19% p.a. 6.41% p.a. 6.66% p.a.
Home Equity Loan Principal & Interest $10 monthly fee rate Principal & Interest Comparison rate1 Interest only $10 monthly fee rate Interest only Comparison rate1
Variable N/A N/A 6.36% p.a. N/A

Fixed rate

Available with Bendigo Connect, Bendigo Basic, Fixed Rate Residential Home Loan and Interest Only Term Loan.

Owner Occupied Lending

Loan type Principal & Interest $20 monthly fee rate2 Principal & Interest Comparison rate1 Interest Only $20 monthly fee rate2 Interest Only Comparison rate1
1 Year Connect 4.29% p.a. 4.80% p.a. 4.79% p.a. 5.66% p.a.
2 Year Connect 3.89% p.a. 4.70% p.a. 4.49% p.a. 5.01% p.a.
3 Year Connect 4.09% p.a. 4.70% p.a. 4.59% p.a. 4.99% p.a.
4 Year Connect 4.49% p.a. 4.81% p.a. 4.99% p.a. 5.34% p.a.
5 Year Connect 4.49% p.a. 4.80% p.a. 4.99% p.a. 5.30% p.a.
Loan type Principal & Interest $10 monthly fee rate Principal & Interest Comparison rate1 Interest Only $10 monthly fee rate Interest Only Comparison rate1
1 Year Basic 4.44% p.a. 4.57% p.a. 4.94% p.a. 5.80% p.a.
2 Year Basic 4.04% p.a. 4.50% p.a. 4.64% p.a. 5.12% p.a.
3 Year Basic 4.24% p.a. 4.53% p.a. 4.74% p.a. 5.09% p.a.
4 Year Basic 4.64% p.a. 4.65% p.a. 5.14% p.a. 5.43% p.a.
5 Year Basic 4.64% p.a. 4.67% p.a. 5.14% p.a. 5.39% p.a.
Loan type Principal & Interest $10 monthly fee rate Principal & Interest Comparison rate1 Interest Only $10 monthly fee rate Interest Only Comparison rate1
1 Year 4.44% p.a. 5.02% p.a. 4.94% p.a. 5.80% p.a.
2 Year 4.04% p.a. 4.90% p.a. 4.64% p.a. 5.12% p.a.
3 Year 4.24% p.a. 4.89% p.a. 4.74% p.a. 5.09% p.a.
4 Year 4.64% p.a. 4.98% p.a. 5.14% p.a. 5.43% p.a.
5 Year 4.64% p.a. 4.96% p.a. 5.14% p.a. 5.39% p.a.

Residential Investment Lending

Loan type Principal & Interest $20 monthly fee rate2 Principal & Interest Comparison rate1 Interest Only $20 monthly fee rate2 Interest Only Comparison rate1
1 Year Connect 4.54% p.a. 5.43% p.a. 4.94% p.a. 5.82% p.a.
2 Year Connect 4.24% p.a. 5.31% p.a. 4.64% p.a. 5.16% p.a.
3 Year Connect 4.34% p.a. 5.26% p.a. 4.74% p.a. 5.14% p.a.
4 Year Connect 4.74% p.a. 5.33% p.a. 5.14% p.a. 5.49% p.a.
5 Year Connect 4.74% p.a. 5.30% p.a. 5.14% p.a. 5.45% p.a.
Loan type Principal & Interest $10 monthly fee rate Principal & Interest Comparison rate1 Interest Only $10 monthly fee rate Interest Only Comparison rate1
1 Year Basic 4.69% p.a. 5.20% p.a 5.09% p.a. 5.95% p.a.
2 Year Basic 4.39% p.a. 5.11% p.a 4.79% p.a. 5.27% p.a.
3 Year Basic 4.49% p.a. 5.09% p.a 4.89% p.a. 5.24% p.a.
4 Year Basic 4.89% p.a. 5.18% p.a 5.29% p.a. 5.58% p.a.
5 Year Basic 4.89% p.a. 5.17% p.a 5.29% p.a. 5.54% p.a.
Loan type Principal & Interest $10 monthly fee rate Principal & Interest Comparison rate1 Interest Only $10 monthly fee rate Interest Only Comparison rate1
1 Year 4.69% p.a. 5.65% p.a. 5.09% p.a. 5.95% p.a.
2 Year 4.39% p.a. 5.52% p.a. 4.79% p.a. 5.27% p.a.
3 Year 4.49% p.a. 5.44% p.a. 4.89% p.a. 5.24% p.a.
4 Year 4.89% p.a. 5.50% p.a. 5.29% p.a. 5.58% p.a.
5 Year 4.89% p.a. 5.45% p.a. 5.29% p.a. 5.54% p.a.

All lending interest rates are subject to change.

1. Important information about comparison rates: The comparison rates displayed are calculated for a loan amount of $150,000 over a 25 year loan term. All Fixed rates are calculated on the basis that they roll to the Residential Variable rate at the end of the initial term. All comparison rates are calculated with a nil offset balance. Comparison rates for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in term to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance and so you may pay more interest over the life of the loan.

2. The interest rate displayed assumes at least 3 eligible products are held. Connect Package Home Loan interest rates are made up of the applicable interest rate depending on aggregate lending, minus a discount of 0.05% per eligible product held, up to a maximum of 0.15% off the tiered rate.

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.

Schedule of Lending Interest Rates