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Come home to a better home loan

Pay less interest with 100% offset available on fixed and variable rates. Money magazine’s Home Lender of the Year 2021.

Great loans for you

Check your borrowing power

Simply enter your income and expenses in our home loan calculator to estimate your borrowing capacity.

Solutions for you

Pre-qualify for a home loan

Have the confidence to make your next move. Pre-qualify so you have a better understanding of your lending position, prior to applying for a home loan.

Save more online

Our Express Home Loan is your online only home loan with our lowest variable rate. 

One Complete Home Loan tailored to you

We've removed the confusion around what home loan is right for you. We tailor our Complete Home Loan based on your needs. 

Family HUB

Family enjoying the sunshine in their backyard, their toddler reaching for the camera.
Family enjoying the sunshine in their backyard, their toddler reaching for the camera.

Home loan help for families

Read our collection of articles specifically prepared with families in mind. They cover a whole range of home loan related topics. From how to become borrower ready and 10 steps to buying a home, to first home buyer incentive schemes and paying your mortgage off faster - and lots more.

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%. 

6 Bendigo Complete Investment Loan: The interest rate displayed is for a residential investment, principal and interest loan and is based on a Loan to Value Ratio (LVR) between 60.01%-80%. 

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.

As of 27 July 2020, the following products will be removed from sale for new business: Connect Package, Basic Home Loan, Home Equity Line of Credit & Low Doc Home Loan. For further information, contact your nearest branch.

Home loan borrowing power calculator

The results are a guide only. They are not a quote, credit approval or offer of credit. This tool is not necessarily suitable for self-employed persons. The results are not advice on how much you can or should borrow, which product you should choose, the product features or options, or about making extra payments. The calculator does not take into account certain tax considerations e.g. negative gearing, which you should receive your own advice on. You should speak to us or obtain professional advice about a loan that meets your requirements and objectives. The ranges of rates, terms and loan amounts in the calculator may not be available for products offered by us or other credit providers. Credit providers have different credit criteria and there may be other factors which affect whether you qualify for credit and the amount you could borrow. The results assume regular scheduled payments and that the interest rate does not change, and do not include any discount period. Interest rates are subject to change except during a fixed rate period. The rates and repayment amounts do not include any monthly service fees or lenders mortgage insurance if applicable. For the Bendigo Complete Loan the variable interest rates displayed are based on Loan to Value Ratio (LVR) calculated using your LVR at the date we document your loan contract. Bendigo Express available via online application only. Click here for more information.

Connect with us

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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