Skip to main content
Locate us

Home loan health check

How healthy is your home loan?

One of Australia's biggest banks
Australia's most trusted bank#
Australia’s most satisfied home loan customers*

It's satisfying when you find something better

With the current cost of living, there’s never been a better time to review your home loan.

A home loan health check is a great way to ensure your home loan is still the right one for you and is meeting your current needs.

Four reasons to act today
  • Potentially save yourself thousands
  • Your personal situation may have changed
  • Your home's equity may have increased
  • We offer 100% offset
Load video

What goes up must come down.

With the Bendigo Bank home loan, when your
home equity goes up it's your interest rate

that comes down, so reach out to us if your
homes value has increased, you've paid down

your home loan or both as you could be entitled
to a better rate.

Wow, things are looking up.

Bendigo Bank, the better big bank.

How the home loan health check works

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

We'll look at how changing the term of the loan would impact your repayments.

Interest rate

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

Repayment options

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

We’ll chat through:

  • our competitive rates,
  • 100% offset on fixed or variable loans,
  • how LVR (your loan to value ratio) works, and
  • our fantastic customer service.

How healthy is your home loan?

Everyone's welcome

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

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. 

For Bendigo Complete Fixed Rate Home Loan the comparison rate assumes a variable rate with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period. 

3 Bendigo Complete Home Loan 2 Year, 3 Year and 4 Year Fixed: Available to customers with owner occupied, principal and interest home loans.

5 Express Home Loan : Deposit amount – you have at least a 10% deposit or equity, plus savings to cover fees and charges such as stamp duty. If you have less than a 20% deposit, you'll also need to pay Lenders' Mortgage Insurance (LMI).

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

* Roy Morgan Single Source Australia, May 2023

#Roy Morgan Quarterly Update February 2023

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.

© Copyright 2023 Bendigo and Adelaide Bank