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Home loan health check

Get the most out of your home loan.

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

How much could you save?

All over Australia, homeowners are saving money with a free Bendigo Bank home loan health check.

Watch how the Norris family saved $5,772 last year on their home loan.**

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Image of Mr and Mrs Norris with the words "A free home loan health check saved the Norris family saved $5,772 last year on their home loan".
How Bendigo Bank customers saved $5,772 on their home loan

Whether you’re looking to refinance, invest in a new property, or lower your repayments, a home loan health check could be just what you need to get ahead and realise your goals.

Let us give your loan a full check-up to make sure it's still right for you and your current needs.

Then if we can add value to what you already have, we'll talk you through how:

  • adding an offset account could save you interest
  • your LVR (loan to value ratio) could help lower your interest rate
  • equity could help you invest in property

How healthy is your home loan?

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.

Want help to pay off your home loan quicker?

Things you should know

All loans are subject to the bank's normal lending criteria. Terms and conditions, fees and charges apply and are subject to change.

** Amount saved was annual payments reduction on an owner-occupied home loan when repayments dropped by $481 a month from lower interest rate and loan restructure. Actual savings will depend on individual circumstances.

#Roy Morgan Risk Monitor 2023

* Roy Morgan Single Source Data 2024

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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