Are you ready to buy your next home or renovate?

Let us help you take the next step

Get ahead with competitive interest rates, rewarding packaged loans and a bank that's here to help you take your next step. At Bendigo Bank, our lenders are ready to assist you evaluate your position, look at loans and costs, and assess your application. So, don't wait, join the bank servicing millions of customers Australia-wide.

Our lenders can also assist you with bridging finance¹³ to relieve some of the stress associated with buying and selling property.
Bridging finance¹³ can help if you’ve sold your home and bought (or built) another, but your sale settles after your purchase does.
Bridging finance¹³ may also help if you haven't yet sold your home but want to buy (or build) a new property in the meantime.
Don't forget to get insurance on your new property. We can help with information and quote on home insurance.

Explore our home loans

Flex Home Loan

Easy Home Loan

GREAT VALUE

Our simplest home loan provides great value.

Low upfront fees and no ongoing fees
Make unlimited additional repayments on a variable rate
Borrow up to 80% of your property

Owner occupied
Principal & Interest
Variable interest rate^{^^}

5.63%p.a.

Comparison rate¹

5.65%p.a.

Explore Easy Home Loan Talk to a home loan specialist

Get home and contents insurance worth having

Insurance you can rely on is worth its weight in gold. Help protect your home by making sure you have adequate cover in place. We offer a range of options, great payment flexibility, and we have a dedicated insurance team who can assist you.

Find out more

Want a more detailed view of what you can borrow?

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

Start now

Ready to apply?

Contact our home loan specialists now on 1300 236 344, make a home loan enquiry or apply online.

Talk to a home loan specialist

Make a home loan enquiry

Discover Government home loan support

You may also be interested in

Complete Home Loan

Express Home Loan

Government home loan support

Home Insurance

Credit Cards

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.

^**Bendigo Flex Home Loan: The interest rate displayed is for a live-in (owner occupied), principal and interest loan and is based on a Loan to Value Ratio (LVR) between 70.01%-80%.

^{^^} Bendigo Easy Home Loan: The interest rate displayed is for a live-in (owner occupied), principal and interest loan and is based on a Loan to Value Ratio (LVR) between 70.01%-80%.

¹³Bridging finance is only available where the loan to value ratio (LVR) is less than 80% inclusive of Lender’s Mortgage Insurance (LMI)

Calculators

Important information about our Home loan borrowing power calculator.
Important information about our Home loan repayments calculator.

Calculator additonal information. Our Flex & Easy home loans are structured with a required monthly repayment. However, borrowers can make payments into their loan account more frequently so long as the required monthly repayment amount is paid before the repayment due date. During any fixed rate period borrowers should keep in mind that if they repay more than $20,000 per fixed term year a Break Cost Fee may be applicable. If a borrower chooses to make regular fortnightly or weekly payments to make up their monthly repayment, they can use the following guideline for calculation:

Fortnightly repayments = Monthly repayment ÷ 2
Weekly repayments = Monthly repayment ÷ 4

This guideline ensures consistency with the original repayment structure of the Home Loan, however borrowers will need to ensure that the required monthly repayment is paid on or before the due date as stated in the Credit Contract, or as advised by us when they change.