Compare our home loans

Product

Connect Package Basic Home Loan Green Home Loan Home Equity Loan or line of credit
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Interest rate
(owner occupied)

4.33% p.a.3 ($250,000 - $499,999)

Fixed Rates from 4.09% p.a.3

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4.38% p.a.

Fixed Rates from 4.24% p.a.

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4.68% p.a. (Variable $250,000 - $499,999)

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5.08% p.a. ($250,000 - $499,999)

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Comparison rate1 (owner occupied)

4.63% p.a.3
($250,000 - $499,999)

Fixed Rates from 4.74% p.a.3

4.56% p.a.

Fixed Rates from 4.53% p.a.

4.73% p.a. (Variable $250,000 - $499,999)

N/A
Interest type Fixed or variable Fixed or variable Variable Variable
Offset facility 100% Offset available on variable rate, partial offset available on fixed

N/A^

100% Offset available on variable rate N/A^
Additional repayments

Unlimited if variable

Pay up to 20% of the loan balance over the fixed term

Unlimited if variable

Pay up to 20% of the loan balance over the fixed term
Unlimited  Unlimited 
Ability to redraw Yes Yes Yes Yes
Split loan option available Yes Yes Yes Yes
Internet banking Yes Yes Yes Yes
Ability to credit increase Yes , however break costs may apply Yes, however break costs may apply Yes Yes
Monthly service fee $20 $10 $0 $10
Annual Fee Nil Nil Nil Nil
Upfront fees Lending Fees & ChargesLending Fees & ChargesLending fees & ChargesLending Fees & Charges
Repayment options Interest only (up to 5 years) or principal and interest* Interest only (up to 5 years) or principal and interest* Principal and interest Repayments required to keep account balance below approved credit limit
Repayment frequency Weekly, fortnightly or monthly Weekly, fortnightly or monthly Weekly, fortnightly or monthly Repayments required to keep account balance below approved credit limit
Loan term Up to 30 years Up to 30 years Up to 30 years  No fixed loan term 
Maximum LVR Principal and Interest - Up to 95% of the property value4
Interest Only - Up to 80% of the property value 
Principal and Interest - Up to 95% of the property value4
Interest Only - Up to 80% of the property value
Up to 90% of the property value Up to 80% of the property value
Building loan available Yes Yes Yes No
Transaction account monthly service fee waived Yes2 Yes2 Yes2 Yes2
Discounted credit card Yes. $0 annual fee for Bendigo Basic Black No No No

Additional information

Terms, conditions, fees and charges apply. All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.

  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.

^ Offset facility – Cannot be linked to a Bendigo Everyday Account, however additional repayments act in same manner.

* A loan repayment that reduces your loan balance as well as pays off the interest on a monthly basis, ensuring the loan is fully repaid at the end of the loan 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.

  1. Refer to the Schedule of Fees, Charges and Transaction Account Rebates for more information. Information on the website has been prepared without taking into account your objectives, financial situations or needs, before acting on the information, you should consider how appropriate it is having regard to your objectives, financial situations and needs. All rates subject to change.
  2. The interest rate displayed assumes at least three 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.
  3. Lenders Mortgage Insurance (LMI) is applicable for LVRs over 80%.