Bigger for getting you moving
Great reasons to choose us
Whether you’re a new or existing customer, we have everything you need to help you in your home loan journey.
- Low fees and competitive interest rates.
- Quick home loan approvals.
- 100% offset and free redraw available on fixed and variabe loans16.
- A free Home Loan Health Check could save you thousands*.
- Easy online access via the Bendigo Bank app.
- Expert lenders can help after hours or at one of our 400+ branches.
Explore our home loans
MOST POPULAR
Flex Home Loan
A premium home loan that flexes as life happens.
6.18
% p.a.
Owner occupied
Principal & Interest
Variable interest rate**
6.38
% p.a.
Comparison rate1
Features
- Specialist lender support
- Available for property purchases and refinances, investment and live-in properties
- 100% offset on both fixed and variable loans. Up to 6 available
- Borrow up to 95% of your property's value
- $15 monthly fee
GREAT VALUE
Easy Home Loan
Our simplest home loan provides great value.
6.13
% p.a.
Owner occupied
Principal & Interest
Variable interest rate^^
6.15
% p.a.
Comparison rate1
Features
- Specialist lender support
- Available for property purchases and refinances, investment and live-in properties
- No offset available
- Borrow up to 80% of your property's value
- No monthly fees
REFINANCE ONLY
Express Home Loan
Online home loan with a low variable interest rate.
5.89
% p.a.
Owner occupied
Principal & Interest
Variable interest rate2
6.02
% p.a.
Comparison rate1
Features
- Online only application
- Only available for refinancing the property you live in
- 100% offset on variable rates, partial offset on fixed rates. Up to 6 available
- Borrow up to 80% of your property's value. Max loan size $1.5million
- $10 monthly fee
What happens next?
Here’s what will happen
1. You send your details
It takes about a minute.
2. We will be in touch
A home loan specialist will contact you shortly.
3. We discuss your options
We will help you find the right home loan for your needs.
Your information is secure
We use industry-leading technology to protect your personal information
Things you should know
Target Market Determinations for products are available.
Terms and conditions, fees and charges apply. All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.
Home loan health checks will consider your personal circumstances, and savings may not be available to all customers. Should contact be unsuccessful via phone, Bendigo and Adelaide Bank Limited (Bendigo Bank) may contact you via an alternative contact method (SMS or email).
By submitting this form, you confirm you have read the Electronic Communication Consent and Authority and consent to receiving future marketing communications from Bendigo Bank electronically. You can unsubscribe at any time.
Bendigo Bank is part of the Bendigo and Adelaide Bank Group. We collect your personal information to respond to your enquiry and contact you about our products and services; your personal information may be shared within the Group. This includes our subsidiaries, related companies, agencies and franchisees. To request access to your personal information, please contact your nearest branch or 1300 236 344. For more information, please read our Privacy Policy.
1 Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
* Actual savings will depend on individual circumstances.
** Bendigo Flex Home Loan: The interest rate displayed is for a live-in (owner occupied), principal and interest loan and is based on a Loan to Value Ratio (LVR) between 70.01%-80%.
^^ Bendigo Easy Home Loan: The interest rate displayed is for a live-in (owner occupied), principal and interest loan and is based on a Loan to Value Ratio (LVR) between 70.01%-80%.
2 Bendigo Express Home Loan: The interest rate displayed is for a live-in (owner occupied), principal and interest loan and is based on a maximum Loan to Value Ratio (LVR) of 80%. Rates are for new business and may differ for existing customers.
16 Full offset facility is only available for Flex Home Loan and Complete Home Loan for both fixed and variable loans. Offset facility can only be linked to one loan at any one time. A maximum of 6 offset facilities can be linked per loan account. Linked offset facility must be in same customer name/number.
