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Home loan tools and calculators

Our selection of online tools and calculators can help you in your home loan journey.

Caring for 2.5 million customers
$320 million reinvested back into local communities
Australia’s most satisfied home loan customers*

Calculate your home loan options

Whether you're a first-time home buyer, or looking to refinance your current mortgage, our home loan calculators are simple and easy to use. You can calculate your repayments, how much you can borrow, and more. Make informed decisions about your home loan and the best choices for your unique financial situation.


What would repayments be?

If you're buying a home or looking to switch your loan from another bank our home loan repayments calculator can help.

How much can I borrow?

Find out how much you can borrow using our home loan borrowing power calculator.

Stamp duty

There's a lot to think about when applying for a home loan. Aside from your repayments, there are government fees such as stamp duty to consider.

Pre-qualify for a home loan

An illustrative image of a people painting a house with the text 'Australia's most satisfied home loan customers'.

Understand your lending position and get peace of mind

Pre-qualify today to better understand your lending position, prior to applying for a home loan. In only a few minutes, we'll estimate your borrowing costs, including stamp duty, lenders mortgage insurance (LMI) and any applicable first home buyer incentives for each State.

An illustrative image of a people painting a house with the text 'Australia's most satisfied home loan customers'.

How much could you save?

If you’re looking to refinance, see how much you could save with our Express home loan.

Home loan comparison

Compare our home loans to help find your ideal loan. Look at fixed or variable interest rates, terms and repayment amounts, and see what suits you.

Get the facts before you borrow

The key facts sheet helps you choose the right home loan for you. From comparison rates to estimate of costs, it helps you make an informed decision.

RateCity Gold Award 2022 for Best Large Bank Home Loan, Best Variable Home Loan over 1 million and Best Variable Home Loan.

Switch and you could save on your repayments with our award winning Express Home Loan

  • 6.01% p.a. variable rate3, 6.14% p.a. comparison rate1
  • Offset available on fixed and variable loans3
  • Flexible repayment options

Things you should know

* Roy Morgan Single Source Data 2024

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.

3 A full offset is available on Bendigo Express Home Loans with a variable rate. A partial offset is available on Bendigo Express Home Loans with a fixed rate, where a portion of your home loan account that is equal to the balance of your linked Everyday Account is charged interest at a reduced rate (currently 1.89% p.a.) while the remaining balance of your home loan account is charged at the regular (full) home loan rate.

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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