Home loan interest rates

Rates effective from: 12/04/2019

Residential lending interest rates

Variable

Owner Occupied Lending

Connect Package Home Loan Principal & Interest2 Principal & Interest Comparison rate1 Interest Only2 Interest Only Comparison rate1
For loans greater than $500,000 4.13% p.a. 4.43% p.a. 5.19% p.a. 5.39% p.a.
For loans between $250,000 and $499,999 4.23% p.a. 4.53% p.a. 5.29% p.a. 5.49% p.a.
For loans between $0 and $249,999 4.43% p.a. 4.72% p.a. 5.49% p.a. 5.69% p.a.
Basic Home Loan Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest Only Comparison rate1
Variable Rate 3.79% p.a. 3.98% p.a. 5.34% p.a. 5.47% p.a.
Express Home Loan Principal & Interest Principal & Interest
Comparison rate1
Interest Only Interest Only Comparison Rate1
Variable Rate 3.79% p.a. 4.09% p.a. 5.29% p.a. 4.66% p.a.
Residential Home Loan Principal & Interest Reference rate Principal & Interest Comparison rate1 Interest Only Reference rate Interest Only Comparison rate1
Residential Variable Rate 5.38% p.a. 5.56% p.a. 5.94% p.a. 5.94% p.a.
Home Equity Loan Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest only Comparison rate1
Variable N/A N/A 5.98% p.a. N/A
Green Home Loan Principal & Interest Interest rate Principal & Interest Comparison rate1 Interest Only Interest only Comparison rate1
For loans greater than $500,000 4.48% p.a. 4.54% p.a. N/A N/A
For loans between $250,000 and $499,999 4.58% p.a. 4.64% p.a. N/A N/A
For loans between $50,000 and $249,999 4.78% p.a. 4.84% p.a. N/A N/A
For loans less than $50,000 4.88% p.a. 4.94% p.a. N/A N/A
Low Doc Variable Rate Loan Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest only Comparison rate1
Low Doc Variable Rate Loan 5.58% p.a. 5.76% p.a. 6.64% p.a.   6.77% p.a.

Residential Investment Lending

Connect Package Home Loan Principal & Interest2 Principal & Interest Comparison rate1 Interest Only2 Interest Only Comparison rate1
For loans greater than $500,000 4.34% p.a. 4.64% p.a. 4.84% p.a. 5.04% p.a.
For loans between $250,000 and $499,999 4.44% p.a. 4.73% p.a. 4.94% p.a. 5.14% p.a.
For loans between $0 and $249,999 4.64% p.a. 4.93% p.a. 5.14% p.a. 5.34% p.a.
Basic Home Loan Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest Only Comparison rate1
Variable Rate 4.49% p.a. 4.67% p.a 4.99% p.a. 5.12% p.a.
Express Home Loan Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest Only Comparison rate1
Variable Rate 4.44% p.a. 4.73% p.a. 4.94% p.a. 4.91% p.a.
Residential Home Loan Principal & Interest Reference rate Principal & Interest Comparison rate1 Interest Only Reference rate Interest Only Comparison rate1
Residential Investment Rate 6.11% p.a. 6.29% p.a. 6.51% p.a. 6.64% p.a.
Home Equity Loan Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest only Comparison rate1
Variable N/A N/A 6.46% p.a. N/A

Fixed rate

Available with Bendigo Connect, Bendigo Basic, Bendigo Express, Fixed Rate Residential Home Loan and Interest Only Term Loan.

Owner Occupied Lending

Loan type Principal & Interest2 Principal & Interest Comparison rate1 Interest Only2 Interest Only Comparison rate1
1 Year Connect 4.29% p.a. 4.71% p.a. 4.79% p.a. 5.64% p.a.
2 Year Connect 3.89% p.a. 4.63% p.a. 4.49% p.a. 5.55% p.a.
3 Year Connect 4.09% p.a. 4.63% p.a. 4.59% p.a. 5.51% p.a.
4 Year Connect 4.49% p.a. 4.75% p.a. 4.99% p.a. 5.56% p.a.
5 Year Connect 4.49% p.a. 4.75% p.a. 4.99% p.a. 5.53% p.a.
Loan type Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest Only Comparison rate1
1 Year Basic 4.44% p.a. 4.04% p.a. 4.94% p.a. 5.44% p.a.
2 Year Basic 4.04% p.a. 4.02% p.a. 4.64% p.a. 5.37% p.a.
3 Year Basic 4.24% p.a. 4.10% p.a. 4.74% p.a. 5.35% p.a.
4 Year Basic 4.64% p.a. 4.27% p.a. 5.14% p.a. 5.42% p.a.
5 Year Basic 4.64% p.a. 4.33% p.a. 5.14% p.a. 5.40% p.a.
Loan type Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest Only Comparison rate1
1 Year Express 4.29% p.a. 4.14% p.a. 4.79% p.a. 4.17% p.a.
2 Year Express 3.89% p.a. 4.11% p.a. 4.49% p.a. 4.20% p.a.
3 Year Express 4.09% p.a. 4.17% p.a. 4.59% p.a. 4.27% p.a.
4 Year Express 4.49% p.a. 4.33% p.a. 4.99% p.a. 4.46% p.a.
5 Year Express 4.49% p.a. 4.38% p.a. 4.99% p.a. 4.54% p.a.
Loan type Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest Only Comparison rate1
1 Year Package 4.44% p.a. 4.93% p.a. 4.94% p.a. 5.90% p.a.
2 Year Package 4.04% p.a. 4.83% p.a. 4.64% p.a. 5.80% p.a.
3 Year Package 4.24% p.a. 4.82% p.a. 4.74% p.a. 5.74% p.a.
4 Year Package 4.64% p.a. 4.91% p.a. 5.14% p.a. 5.78% p.a.
5 Year Package 4.64% p.a. 4.90% p.a. 5.14% p.a. 5.74% p.a.

Residential Investment Lending

Loan type Principal & Interest2 Principal & Interest Comparison rate1 Interest Only2 Interest Only Comparison rate1
1 Year Connect 4.34% p.a. 4.90% p.a. 4.79% p.a. 5.32% p.a.
2 Year Connect 4.14% p.a. 4.84% p.a. 4.29% p.a. 5.23% p.a.
3 Year Connect 4.34% p.a. 4.85% p.a. 4.59% p.a. 5.23% p.a.
4 Year Connect 4.74% p.a. 4.97% p.a. 4.99% p.a. 5.30% p.a.
5 Year Connect 4.64% p.a. 4.93% p.a. 4.99% p.a. 5.30% p.a.
Loan type Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest Only Comparison rate1
1 Year Basic 4.49% p.a. 4.67% p.a 4.94% p.a. 5.11% p.a.
2 Year Basic 4.29% p.a. 4.64% p.a 4.44% p.a. 5.04% p.a.
3 Year Basic 4.49% p.a. 4.67% p.a 4.74% p.a. 5.07% p.a.
4 Year Basic 4.89% p.a. 4.81% p.a 5.14% p.a. 5.16% p.a.
5 Year Basic 4.79% p.a. 4.80% p.a 5.14% p.a. 5.16% p.a.
Loan type Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest Only Comparison rate1
1 Year Express4.34% p.a. 4.72% p.a. 4.79% p.a. 4.76% p.a.
2 Year Express4.14% p.a. 4.68% p.a. 4.29% p.a. 4.69% p.a.
3 Year Express4.34% p.a. 4.70% p.a. 4.59% p.a. 4.75% p.a.
4 Year Express4.74% p.a. 4.83% p.a. 4.99% p.a. 4.89% p.a.
5 Year Express4.64% p.a. 4.81% p.a. 4.99% p.a. 4.93% p.a.
Loan type Principal & Interest Principal & Interest Comparison rate1 Interest Only Interest Only Comparison rate1
1 Year Package 4.49% p.a. 5.12% p.a. 4.94% p.a. 5.58% p.a.
2 Year Package 4.29% p.a. 5.04% p.a. 4.44% p.a. 5.47% p.a.
3 Year Package 4.49% p.a. 5.04% p.a. 4.74% p.a. 5.47% p.a.
4 Year Package 4.89% p.a. 5.14% p.a. 5.14% p.a. 5.53% p.a.
5 Year Package 4.79% p.a. 5.09% p.a. 5.14% p.a. 5.51% p.a.

All lending interest rates are subject to change. Rates are for new business and may differ for existing customers. Fees and Charges may be applicable and can be found in the Lending Fees and Charges Guide.

1. Important information about comparison rates: The comparison rates displayed are 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 rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

2. The interest rate displayed assumes at least 3 eligible products are held. Connect Package Home Loan interest rates are made up of the applicable interest rate depending on aggregate lending, minus a discount of 0.05% per eligible product held, up to a maximum of 0.15% off the tiered rate.

Schedule of Lending Interest Rates