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Financial planningPersonal home

Home Equity Loan

Our Home Equity Loan gives you a line of credit with full transaction functionality and the ability to draw on available funds.

Key features of our Home Equity Loan

Repay as much or as little as you like, as long as you keep the balance below your credit limit.

Unlimited additional repayments
Maximum term of 5 years
Borrow up to 80% of the property value
Competitive interest rate, calculated daily and debited monthly
Full transaction-fee rebate on eligible accounts7
Free Bendigo home insurance from contract to settlement (up to 90 days)5

Great reasons to choose us

Competitive home loan interest rates

Rewarding packaged loans

1.7 million customers in over 500 communities Australia wide

Top 70 ASX listed company

Explore our home loans

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.

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.

Connect Package: Offer is available to customers that take out a new owner occupied, principal and interest home loan above $150,000 with a loan to value ratio of up to 80%, and three additional eligible products taken as part of the Connect Package. Eligible products held products cannot be from the same product type. Offer may be varied or withdrawn at any time.

5Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Please consider your situation and consider the relevant Product Disclosure Statement before making a decision

Refer to the Schedule of Fees, Charges and Transaction Account Rebates for more information.

9Investment loans are only available to customers where the loan to value ratio (LVR) is less than 90% inclusive of Lender’s Mortgage Insurance (LMI)

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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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