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Big on home loans.
Bigger for helping you at every step.

Join Australia's most satisfied home loan customers and find your better home loan.*

Our home loans

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 2.5 million customers
  • Voted Australia's most trusted bank^
  • Profits invested back into Australian communities
  • Community bank branches in rural areas


  • 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?

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.

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 rate with Loan to Value Ratio (LVR) between 60.01%-80% 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

10 The variable interest rates displayed are based on the applicable Loan to Value Ratio (LVR).

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

^ Roy Morgan Risk Monitor 2023. Customers of Bendigo and Adelaide Bank Limited.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

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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