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The Cox family will save $5,329 this year on their home loan5

    • All over Australia, homeowners are saving money with a free home loan health check

    Whether you're looking to refinance, invest in a new property, or lower your repayments, a home loan health check could be just what you need to get ahead and realise your goals.

    • adding an offset account could save you interest
    • your LVR (loan to value ratio) could help lower your interest rate
    • equity could help you invest in property

    How our home loan health check works

    We’ll give your home loan a full check-up, looking at your:

    Interest rate

    We'll compare your current interest rate to see if there is a better rate for you.

    Term

    We'll look at how changing the term of your loan may help lower your repayments.

    Repayment options

    We'll look to see how changing the frequency of repayments impacts your loan.

    Home equity

    We'll also explore the equity you have in your home to see if a better rate can be offered.

    Then we’ll talk to you about your goals, and what you hope to achieve in the next few years, including paying down or paying off your loan, renovating, refinancing, or investing.

    Here are some of our most popular home loans.

    A home loan health check is about more than just interest rates, but we understand you’ll want to know what we offer.

    Variable home loan for refinancers
    If you’ve already paid off a good chunk of your home, this could be for you. Get the flexibility you want, with the features and benefits you need.
    Owner occupied
    Principal & Interest
    Variable interest rate LVR 60.01-80%
    5.79%p.a.
    Comparison rate1
    6.02%p.a.
    2 year fixed home loan
    We've got you covered with a competitive 2 year fixed rate. We'll tailor our Complete Home Loan to your specific needs.
    Owner occupied
    Principal & Interest
    2 year fixed interest rate7
    5.39%p.a.
    Comparison rate1
    5.94%p.a.
    Refinancing an investment loan?
    If you’ve paid off more than 40% of your investment, this could be the loan for you. We'll tailor our Complete Home Loan to your specific needs.
    Residential Investment
    Principal & Interest
    Variable interest rate LVR ≤60%10
    5.79%p.a.
    Comparison rate1
    6.02%p.a.

    Find out how much you could save!

    What can we help you with?

    Home loan health checks will take into account your personal circumstances. Savings may not be available to all customers. Should contact be unsuccessful via phone, Bendigo and Adelaide Bank Limited (Bendigo Bank) may contact you via an alternative contact method (SMS or email).

    By submitting this form, you confirm you have read the Electronic Communication Consent and Authority and consent to receiving future communications from Bendigo Bank electronically. You can unsubscribe at any time.

    Bendigo Bank is part of the Bendigo and Adelaide Bank Group. We collect your personal information in order to respond to your enquiry and contact you; your personal information may be shared within the Group. This includes subsidiaries, related companies, agencies and franchises. To request access to your personal information, please contact your nearest branch or 1300 236 344. For more information, please read our Privacy Policy.

    Things you should know

    All loans are subject to the bank's normal lending criteria. Terms and conditions, fees and charges apply and are subject to change.

    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 The Alder Family: annual interest savings from having $125, 000 in their new offset account for their $200,000 loan. Full offset facility is available for Bendigo Complete Home Loan for both fixed and variable loans. Actual customers not shown. Actual savings will depend on individual circumstances and any rate changes. T&Cs apply.

    3 Jen: refinanced her $481, 000 loan to a lower interest rate saving her $369 a month. Actual customers not shown. Actual savings will depend on individual circumstances and any rate changes. T&Cs apply.

    4 Chris and Steve: refinanced their $481,000 loan to a lower interest rate. Actual customers not shown. Actual savings will depend on individual circumstances and any rate changes. T&Cs apply.

    5 The Cox family: refinanced to a lower interest rate on their owner occupier home loan, saving them $444 per month and $5,329 annually. Actual savings will depend on individual circumstances and any rate changes. T&Cs apply.

    6 Norris family: restructured and refinanced their owner-occupied loan to a lower interest rate saving them $481 a month. Actual savings will depend on individual circumstances and any rate changes. T&Cs apply.

    7 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%. 

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

    ^ Roy Morgan Risk Monitor 2024. Customers of Bendigo and Adelaide Bank Limited.

    * Roy Morgan Single Source Data 2024

    Bendigo 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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