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Personal home

Pre-qualify for a home loan

If you're getting ready to buy, invest or refinance or you're just curious about what you can afford, let us help you understand all the costs with one handy report. 

Pre-qualify for a home loan

In just minutes you can find out how much you may borrow and what to expect before you head down the home loan application path.

Pre-qualification diagram graphic

What we'll calculate:

  • How much you can borrow
  • Your borrowing costs, including stamp duty, lenders mortgage insurance and first home buyer grants
  • Your repayments

No credit checks, no paperwork. Your home loan estimate delivered in minutes.

We can help

No matter what stage in your home loan journey, we are able to help you reach your goals.

Home loan bundle

Key features of the Connect Package

Borrow for loan terms up to 30 years
Choose a variable or fixed interest rate
Choose principal and interest, or interest-only repayments
Choose weekly, fortnightly or monthly repayments
Unlimited additional repayments if variable
Access additional repayments using online redraw
Owner Occupied: Borrow up to 92% on the value of the property
Investment: Borrow up to 90% of the value of the property

Buy your first home

Your home is likely to be your biggest investment.

Buying your first home is an exciting time, but it’s important that you’re ready and informed. We can help you make the right decisions.

Switch your home loan

Looking to switch?

If you’re not satisfied with your home loan – or your bank – it may be time to reassess your finances and switch to Bendigo Bank. Our business is based on real relationships with real people. At Bendigo Bank, we treat you as a person, not a number. Whenever you need us, you’ll receive the personal and friendly service for which we’ve become known.


Next home or renovating

Looking to refinance?

Do you need to downsize, upgrade or move locations – and are ready to buy your next home? Or does your current home need renovations? Perhaps you need to free up some money for a holiday or other large purchase? Then refinancing could be the solution.

Investing in property

Take the next step

Property can be a profitable and secure investment, and you don’t need to be rich, retired or part of the building trade to benefit. Entering the market can be daunting, but we can help you understand how to invest in a way that maximises your returns.

Great reasons to choose us

Competitive home loan interest rates

Rewarding packaged loans

1.7 million customers in over 500 communities Australia wide

Top 70 ASX listed company

Explore our home loans

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.

* To be eligible to save $625 on home loan fees, a new home loan application must be for the purpose of external refinance and/ or purchase and/or construction for owner occupied, principal and interest, and must be a Connect Package home loan. You must currently hold or take out two eligible products with Bendigo Bank. Eligible products cannot be from the same product type. Offer may be varied or withdrawn at any time.

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.

Connect Package: Offer is available to customers that take out a new owner occupied, principal and interest home loan above $150,000 with a loan to value ratio of up to 80%, and three additional eligible products taken as part of the Connect Package. Eligible products held products cannot be from the same product type. Offer may be varied or withdrawn at any time.

Connect Package 2 Year Fixed: Offer is available to customers with owner occupied, principal and interest home loans, a loan to valuation ratio of up to maximum of 92% and three additional eligible products. Eligible products cannot be from the same product type. Offer may be varied or withdrawn at any time.

^ Mozo People's Choice Awards 2018

Head Office: Bendigo Centre, Bendigo, Vic 3550

Our mobile lending team will help with all parts of home lending, and they will come to you

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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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