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Express Home Loan

An old fashioned analog alarm clock against a burgundy background.
An old fashioned analog alarm clock against a burgundy background.

Are you ready to buy?

Receive fast online approval, combined with competitive interest rates and flexible terms with Bendigo Bank Express Home Loan.

Better Big Bank


Welcome to the better big bank.

When you're a big bank, you have big responsibilities. The first is to do the right thing. It's something we've always been good at.

Low Rate Mastercard Christmas Offer

Low Rate Mastercard with Christmas decorations.
Low Rate Mastercard with Christmas decorations.

0% on purchases for 15 months from account opening*

Now you can enjoy Christmas a whole lot longer!

Bendigo Bank SmartStart Super

SmartStartSuper Campaign panel image-min.png
SmartStartSuper Campaign panel image-min.png

Looking to retire with more?

Bendigo SmartStart Super is our low cost and simple way to help you get there.

Variable Home Loan


Your best interests at heart

Our basic home loan is a low cost, easy to manage loan with flexible terms and additional repayment options.

Tap & go™ to the GRAMMYs®

GRAMMY Awards stage and audience.
GRAMMY Awards stage and audience.

You could win a Priceless® GRAMMYs® experience^

Register your card and then every purchase made using your Bendigo Bank debit or credit Mastercard until December 15 will give you an entry into the draw to win!

*Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 31 October 2019 and is subject to change. Full details available on application. Lending criteria apply.

The standard purchase interest rate of the Low Rate Mastercard is currently 11.99% p.a. The cash advance rate of the Low Rate Mastercard is currently 13.99% p.a.

Offer applies to all successful applications for a new Low Rate Mastercard completed and submitted between 12:01am AEST 1 November 2019 and 11:59pm AEST 31 December 2019. For the first 15 months after account opening, interest on purchases is waived, subject to minimum monthly repayments being made and the account not otherwise being in default. At the end of 15 months from account opening, remaining purchase balance will revert to standard purchase interest rate. Offer does not apply to cash advances.

Bendigo Bank may vary or end this offer and it is only available on the Low Rate Mastercard. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Low Rate Connect Mastercard and Low Rate Mastercard Deals or Shareholder products unless specified. One account per customer. Offer is not available when closing/transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months.

The 0% purchase interest rate offer is available in conjunction with the Low Rate Mastercard 0% balance transfer for 6 months offer.

Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879

Head Office: Bendigo Centre, Bendigo Vic 3550

^Entry is only open to Australian residents who are 21 years and over and are a Bendigo Bank debit or credit Mastercard account holder. Business debit and credit Mastercard account holders are excluded from this promotion. Starts 1/11/19 9am AEDT. Ends 15/12/19 11:59pm AEDT. Max 1 entry/transaction. Draw: 2:30pm AEDT 23/12/19, L4/411 Collins St, Melb. VIC 3000. Prizes: Trip for 2 adults (21yrs+) to the 2020 Grammy Awards (Up to US$30,000); 10 x AUD$500 JB Hi-Fi gift card. Winners published in the Australian on 25/12/19. Promoter: Bendigo and Adelaide Bank Ltd ABN 11 068 049 178, The Bendigo Centre - 22 Bath Lane, Bendigo VIC 3550. For Terms and Conditions see here. Permit No's: ACT Permit No. TP 19/04361, NSW Permit No. LTPS/19/38811 and SA Permit No. T19/1695

The winner of the GRAMMY’s prize package must be able to take the prize on the dates specified (22 - 28 January 2020) to coincide with the 62nd Annual GRAMMY Awards taking place on Sunday 26th January 2020. For further information, see Terms and Conditions

GRAMMY®, GRAMMY Awards®, and the gramaphone logo are registered trademarks of the Recording Academy™ and are used under license. © The Recording Academy. The Recording Academy is not operating this competition. The use of any non-Sponsor trademarks, service marks, logos, or other marks in connection with this competition or any prize is not meant by Sponsor to imply the endorsement of the respective owner(s) of such marks, or any affiliation of the respective owner(s) of such marks with competition advertisements or the competition. 

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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