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Are you ready to buy your next home or renovate?

Pre-qualify for a home loan in just minutes and turn your dream into a reality.

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 1.9 million customers Australia-wide.

  • 1
    Our lenders can also assist you with bridging finance13 to relieve some of the stress associated with buying and selling property.
  • 2
    Bridging finance13 can help if you’ve sold your home and bought (or built) another, but your sale settles after your purchase does.
  • 3
    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.

Great loans for you

Check your borrowing power

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

Great reasons to choose us

  • Competitive home loan interest rates

  • Rewarding packaged loans

  • Servicing 1.9 million customers in over 500 locations Australia-wide

  • A top 100 ASX listed Company with more than 110,000 shareholders

Need help? We're here for you

Arrange a voice/video call with a mobile lender or use the online enquiry form to ask us a question. If you prefer to visit a branch, use our branch locator to find a branch near you.

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. 

2 Bendigo Complete Home Loan: The interest rate displayed is for an owner occupied, principal and interest loan and is based on a Loan to Value Ratio (LVR) between 60.01%-80%. 

3 Bendigo Complete Home Loan 1 Year Fixed: Available to customers with owner occupied, principal and interest home loans.

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

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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