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Investing in property

Property can be a profitable and secure investment, and you don't need to be rich, retired or part of the building trade to benefit. 

We can help you with your investment dreams

Find the right property

Use our tips to choose the right investment property.

  • 1
    Look at what facilities are in the area that will attract tenants, such as schools, transport, shopping, and medical centres.
  • 2
    Consider costs that may be required to update the property if older and ensure you fix any issues in the property before letting it to tenants.
  • 3
    Check out how many other properties are for rent in the area – lots of options reduces your rental income.

Maximise your return

Use our tips to plan well and maximise your return.

  • 1
    Check rental prices in areas you’re considering buying in.
  • 2
    Investing in property is generally a longer term commitment.
  • 3
    Make sure you don’t over capitalise on rental property renovations.
  • 4
    Consider the cost of upkeep to the property when budgeting.
  • 5
    Consider employing a property manager and include their fees in your costs.
  • 6
    Strata fees will apply for properties on shared land such as units.

Financial advice

Why seek financial advice?

Getting the right financial advice can help you get on track to achieve your financial goals.

Whether your goals are a house deposit, a destination wedding or a comfortable retirement, our experienced Wealth Concierge team can provide you with general advice, guide you through a self-service option or refer you to a financial planner if you want personal advice. Best of all, its free.

Other investment options

Building your wealth

When it comes to investing, we have a wide range of wealth solutions to choose from. The right type of investment for you will depend on your investment objectives, time frame and appetite for risk.

Great loans for you

Check your borrowing power

Simply enter your income and expenses in our home loan calculator to estimate your borrowing capacity.

Find out how much you could borrow

Pre-qualify for a home loan in just minutes, with no paperwork and no credit checks.

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.

Target Market Determinations for products are available.

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 with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period. 

6 Bendigo Complete Investment Loan: The interest rate displayed is for a residential investment, principal and interest loan and is based on a Loan to Value Ratio (LVR) between 60.01%-80%. 

Home loan borrowing power calculator

The results are a guide only. They are not a quote, credit approval or offer of credit. This tool is not necessarily suitable for self-employed persons. The results are not advice on how much you can or should borrow, which product you should choose, the product features or options, or about making extra payments. The calculator does not take into account certain tax considerations e.g. negative gearing, which you should receive your own advice on. You should speak to us or obtain professional advice about a loan that meets your requirements and objectives. The ranges of rates, terms and loan amounts in the calculator may not be available for products offered by us or other credit providers. Credit providers have different credit criteria and there may be other factors which affect whether you qualify for credit and the amount you could borrow. The results assume regular scheduled payments and that the interest rate does not change, and do not include any discount period. Interest rates are subject to change except during a fixed rate period. The rates and repayment amounts do not include any monthly service fees or lenders mortgage insurance if applicable. For the Bendigo Complete Loan the variable interest rates displayed are based on Loan to Value Ratio (LVR) calculated using your LVR at the date we document your loan contract. Bendigo Express available via online application only. Click here for more information.

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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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