Connect Home Loan Package

Connect Home Loan Package combines the best of our banking products in a home loan bundle. Choose what you need, and be rewarded with an exclusive Family and Friends rate.

  1. Exclusive discounted rate for Family and Friends10 3.79% p.a1 (4.06% p.a. comparison rate2)

  2. Available when you bundle a home loan with three other eligible products

  3. Huge range of extra benefits

  4. Zero establishment fees3

  5. Free online redraw

  6. New home or refinance from another financial institution

  7. Helps your community thrive

  8. Quote F&F Directors or F&F Staff to claim your benefits

Personal loans

Car, holiday, shopping spree. The possibilities are endless with a personal loan from Bendigo Bank. And with a Family and Friends discount, they're cheaper too.
Quote F&F Directors or F&F Staff to claim your benefit.

  1. 0.20% pa discount on interest rate, no application fee for secured personal loans4

  2. 0.10% pa discount on interest rate, no application fee for unsecured personal loans4

Credit cards

Choose from two of our popular Mastercard® credit cards and receive a Family and Friends discount off the annual fee.
Quote F&F Directors or F&F Staff to claim your benefit.

Platinum Rewards

Mastercard®

  • Annual Fee
    $49 (normally $89)
  • Purchase interest rate
    19.99% p.a.
  • Cash advance interest rate
    21.99% p.a.
  • Interest free period
    Up to 55 days^
  • Benefits
    $1 = 1.5 Rewards Points5, Travel insurance + purchase protections6
  • Rewards
    Yes

Qantas Platinum

Mastercard®

  • Annual Fee
    $69 (normally $149)
  • Purchase interest rate
    19.99% p.a.
  • Cash advance interest rate
    21.99% p.a.
  • Interest free period
    Up to 55 days^
  • Benefits
    $1 = 0.6 Qantas Points7, Travel insurance + purchase protections6
  • Rewards
    Yes

Term deposit

Invest your money in our 12 month term deposit and receive an additional 0.25%pa on top of the already competitive interest rate.
Quote F&F Directors or F&F Staff to claim your benefit.

  1. 12 month term deposit earning 0.25% pa interest above the standard 12 month term deposit interest rate8

  2. Interest paid on maturity

  3. Minimum deposit $5000

  4. The applicable Term Deposit rate is available upon application

Rural Bank

Applying for Rural Bank finance is cheaper thanks to your exclusive Family and Friends Offer.
Quote F&F Directors or F&F Staff to claim your benefit.

  • Agribusiness term loan9
    $0 loan application fee (max $1,000 per application)
  • Equipment Finance9
    50% discount to application fee, up to $1,000 maximum per application.

Insurance

When you take out a connect package home loan you're also eligible to receive the following discounts on selected insurance products:

*A minimum sum insured may be required for a discount to apply. No further discounts are applicable. Discount and eligible product only includes domestic (not commercial) Bendigo insurance policies, and not those written through Community Insurance Solutions.

Claim your benefits

Here's how to claim your benefits, or learn more about the Family and Friends offer.

1. Visit your local Bendigo Bank branch

2. Call 1300 236 344

3. Complete  Make an enquiry form and we'll contact you

4. Be sure to quote F&F Directors or F&F Staff

1Advertised discounted variable rate is available on the Principal and Interest Connect Home Loan Package for new Owner Occupied loans with a loan to value (“LVR’) equal or less than 80%. Rate includes discount of 1.69% p.a. off the Residential Variable Rate. Interest rate discount assumes three eligible products are taken as part of the connect package. Eligible products can be found on our website. This offer is subject to change without notice.

2 The comparison rate displayed for home loan is calculated for a loan amount of $150,000 over a 25 year 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.

3 To be eligible to save $625 on home loan fees, a new home loan application must be taken for External Refinance and/ or Purchase and/or Construction for Owner Occupied property. The application must be for the Bendigo Connect product and the customer must currently hold or take out three additional or complementary products with Bendigo Bank. Complementary products cannot be from the same product type. Full details available on application.

4 All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply. Discount available on standard personal loan products only and does not include Student, Green or Connect personal Loans.

5Rewards points - Rewards points are earned on eligible transactions – see Bendigo Rewards Terms and Conditions, or call 1300 236 344.

6Platinum Rewards insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb). Qantas Platinum and Low Rate Platinum insurances are issued by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL No. 245631 trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708) to Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL No. 237879. Bendigo Bank doesn’t guarantee any of the benefits provided under the insurance cover.

7Qantas Points - To earn Qantas Points with Qantas Platinum MasterCard you must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer number to Bendigo Bank. Membership of the Qantas Frequent Flyer program is subject to the terms and conditions of the Qantas Frequent Flyer program, which can be found at Qantas.com/terms. This external link will open in a new window. A joining fee may apply. Qantas Points are earned on eligible transactions at the applicable conversion rate of 0.6 Qantas Points per dollar, are transferred monthly to the Frequent Flyer account and are capped at 20,000 points per month – see Bendigo Credit Card Terms and Conditions or call 1300 236 344. Ineligible transactions are, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office, cash equivalent transactions, business transactions, balance transfers, and transactions for gambling or gaming purposes, any fee or charge, including any government charges or duties, interest and finance charges payable or paid on your credit card, transactions which are disputed, fraudulent or involve the abuse or unauthorised use of your credit card and payments and purchases which are refunded or reimbursed.

8Minimum deposit $5000. The applicable Term Deposit rate is available upon application

9All applications for loans or credit are subject to lending criteria. Full details are available on application, by phoning our Customer Service Centre on 1300 660 115 or online at www.ruralbank.com.au. All information is subject to change. Products are issued by Rural Bank Limited ABN 74 083 938 416 AFSL 238042. Products are distributed by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879.

10Offers only valid to Family and Friends of Bendigo and Adelaide Bank Limited Staff and Directors. Offers available on all applications received before 30th June 2018. This information has been prepared without taking into account your personal circumstances, objectives, financial situation or needs.

MasterCard and Priceless are registered trademarks and the circles design and Tap & Go are trademarks of MasterCard International Incorporated.

^Up to 55-day interest-free period consists of your 30 day statement cycle, plus 25 days to the payment due date. The number of interest-free days will vary for each transaction, depending on which day in the 30-day statement cycle the purchase was made.

Terms and conditions, other fees and charges, other external establishment fees, and lending criteria apply. All applications are subject to credit approval.