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
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Potentially save yourself thousands
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Your personal situation may have changed
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Your home's equity may have increased
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We offer 100% offset
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Read the video transcript
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:
Term
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
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
