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Express Home Loan

Our Express Home Loan combines fast online approval with a competitive interest rate and flexible terms.

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Key features of our Express Home Loan

Fast online approval

Your application and assessment will be conducted online

Flexible repayment options

Choose from Principal & Interest or Interest Only and access additional repayments using online redraw

Offset facility

Make your money work smarter. An offset account reduces the interest you pay on your eligible home loan

Am I eligible for an Express Home Loan?

I have additional funds to cover government charges and stamp duty.
I am buying or refinancing a property within a capital city or major regional centre.
I am an Australian citizen or permanent resident, and I am 18 years or older.
I have a valid ID and relevant documents on hand.
I am not using this loan for business or commercial purposes.
I am a sole or joint borrower and there is nobody going guarantor on this loan.

What do I need handy to apply?

The address of the home you wish to purchase or refinance.

A valid email address and mobile phone number.

One of the following: Australian drivers’ licence; Australian passport; Foreign passport with an Australian Visa; or Medicare Card.

Your bank details if you wish to upload your financial documents digitally.

If you choose to upload your financial documents manually, you will need copies of your bank statements, including any credit card, personal or home loan, and/or deposit statements.

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.


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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