Pay less interest with 100% offset available on fixed and variable rates.
Our home loans
We've made it easy when deciding which home loan is right for you. Choose from our Complete Home Loan package or try our online only Express Home Loan product.
Complete Home Loan
Principal & Interest
Variable interest rate2
Express Home Loan
Principal & Interest
Variable interest rate
Great reasons to choose Bendigo Bank
Australia’s most satisfied home loan customers*
One of Australia's most trusted brands^
Caring for 1.9 million customers in over 500 locations Australia-wide
Competitive home loan interest rates
What's your next move?
Buying your first home
We make buying your first home simple. From knowing where to start to understanding the home loan process, settlement and costs we're here to support you.
Buying your next home
Let us help you take the next step. Our lenders are ready to assist you evaluate your position, look at loans and costs, assess your application and assist with bridging finance.
Refinance and switch to Bendigo Bank
Our competitive rates, simplified home loan products, and personalised customer service. Just some of the reasons why our customers choose to bank with us. See for yourself by refinancing to Bendigo Bank, the better big bank.
Buying an investment property
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. Find out how we can help with your investment dreams.
Government grants and schemes
Get into your own home sooner. With various Government grants and schemes currently available, discover if one is right for you.
Making your home greener
A competitive interest for you to buy and install clean energy products, such as solar power systems, solar hot water, grey water treatment systems or top energy saving white goods.
Things you should know
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.
For Bendigo Complete Fixed Rate Home Loan the comparison rate assumes a variable with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period.
2 Bendigo Complete Home Loan: The interest rate displayed is for an owner occupied, principal and interest loan and is based on a Loan to Value Ratio (LVR) between 60.01%-80%.
* Roy Morgan Single Source Australia, March 2022
^ Source: Roy Morgan Risk Monitor 2020