Bigger for helping you at every step.
Award-winning Australian bank
Caring for millions of customers in over 500 locations
Apply with the help of a home loan specialist
Flex Home Loan
LENDING SPECIALIST SUPPORT
A premium home loan that flexes as life happens.
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100% offset on both fixed and variable loans
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Access additional repayments using online redraw
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Borrow up to 95% of your property*
Owner occupied
Principal & Interest
Variable interest rate**
Principal & Interest
Variable interest rate**
5.43%p.a.
Comparison rate1
5.64%p.a.
Easy Home Loan
LENDING SPECIALIST SUPPORT
Our simplest home loan provides great value.
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Low upfront fees and no ongoing fees
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Make unlimited additional repayments on a variable rate
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Borrow up to 80% of your property
Owner occupied
Principal & Interest
Variable interest rate^^
Principal & Interest
Variable interest rate^^
5.38%p.a.
Comparison rate1
5.40%p.a.
Apply online
Get into your new home faster with an Express Home Loan
Apply online for fast approval or pre-approval.
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 loans16
- 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.
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.
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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.
*Owner Occupied, Principal & Interest only.
** Bendigo Flex Home Loan: The interest rate displayed is for a live-in (owner occupied), principal and interest loan and is based on a Loan to Value Ratio (LVR) between 70.01%-80%.
^^ Bendigo Easy Home Loan: The interest rate displayed is for a live-in (owner occupied), principal and interest loan and is based on a Loan to Value Ratio (LVR) between 70.01%-80%.
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%.
5Mastercard Zero Liability: Conditions for protection apply, see mastercard.com.au/zero-liability
16 Full offset facility is available for Bendigo Flex Home Loan for both fixed and variable loans. Offset facility can only be linked to one loan at any one time. A maximum of 6 offset facilities can be linked per loan account. Linked offset facility must be in same customer name/number.
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 2025. Customers of Bendigo and Adelaide Bank Limited.
# Awarded "Best Home Loan Lender - Large Bank" by Finder Home Loan Awards 2025.
