Join Australia's most satisfied home loan customers and find your better home loan.*
Australia’s most satisfied home loan customers*
Voted Australia's most trusted bank^
Caring for millions of customers in over 500 locations
It's easy to get started
You can apply online with assistance from our virtual support team or one of our home loan specialists can help with your application.
Talk to a home loan specialist
Our expert lending team will customise a home loan for your needs with our Complete Home Loan.
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Get help from a home loan specialist.
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Best if you’re buying off the plan, refinancing land or building a home.
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Great choice for more complex lending needs.
Owner occupied
Principal & Interest
2 year fixed interest rate3
Principal & Interest
2 year fixed interest rate3
5.39%p.a.
Comparison rate1
5.94%p.a.
Apply online
Express Home Loan is our online only home loan with our lowest variable rate.
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Our virtual support team is here if you need help.
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Save time by applying online in minutes.
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Great choice for a purchase or refinance of an established property or land in an urban area.
Owner occupied
Principal & Interest
Variable interest rate2
Principal & Interest
Variable interest rate2
5.64%p.a.
Comparison rate1
5.77%p.a.
Looking for an award winning home loan?
Bendigo Bank has been voted Best Home Loan Lender - Large Bank for 2025.#
Benefits of a Bendigo Bank home loan
- Join Australia's most satisfied* home loan customers.
- Low fees and competitive interest rates
- Apply online in minutes or speak to a home loan specialist
- Pay less interest with the option of 100% offset and redraw on both fixed and variable loans**
- Expert lenders can help after hours or at one of our 400+ branches
- Easy online access to manage your home loan with e-banking or the Bendigo Bank app.
Why bank with Bendigo Bank?
We're one of Australia's biggest banks, and we're also the nations most trusted bank. As we grow we invest in technology, accessibility, and service to create a better banking experience for everyone. Here are just some ways we're bigger for customers.
The better big bank
- Caring for millions of customers
- Voted Australia's most trusted bank^
- Profits invested back into Australian communities
- Community bank branches in rural areas
Security
- 24/7 fraud monitoring
- Multi-factor authentication
- Secure online shopping
- Zero Liability Protection5
- Banking safely online support
Bendigo Bank app
- Transfer money
- BPAY
- Lock/unlock lost cards
- Change your card PIN
What's your next move?
Looking for pre-approval?
Buy with confidence. Pre-approval means a lender has provided an obligation-free estimate on the amount you can borrow to purchase a property. It’s a good first step in the buying process, signalling to real estate agents that you can afford the property.
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 home loan support
Get into your own home sooner. With various Government grants and schemes currently available, discover if one is right for you.
Ready to apply?
Contact our home loan specialists now on 1300 236 344, make a home loan enquiry or apply online.
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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 rate with Loan to Value Ratio (LVR) 60.01%-80% inclusive will apply at the end of the fixed rate period.
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 90%.
3 Bendigo Complete Home Loan 2 Year Fixed: Available to customers with owner occupied, principal and interest home loans.
5Mastercard Zero Liability: Conditions for protection apply, see mastercard.com.au/zero-liability
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.
* Roy Morgan Single Source Data 2024
** The Complete Home Loan has 100% offset on both fixed and variable loans.
^ Roy Morgan Risk Monitor 2024. Customers of Bendigo and Adelaide Bank Limited.
# Awarded "Best Home Loan Lender - Large Bank" by Finder Home Loan Awards 2025.
