Rates effective from: 20/09/2024
Rates for Owner Occupier home loans
Compare our variable and fixed interest rates - paying off Principal and Interest (P&I) or Interest Only.
Express Home Loan
Owner Occupier
Save time and money with our Bendigo Express Online Home Loan. Apply online in minutes to access our lowest variable rate. Only available for established properties in urban areas.
-
Save time by applying online in minutes
-
Great choice for a purchase or refinance of an established property in an urban area
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Borrow between $5K and $3M and up to 90% of the property’s value
Principal & Interest
| Principal & Interest10 | Rate | Comparison rate1 |
|---|---|---|
| Variable rate | 6.09% p.a. | 6.22% p.a. |
| 1 Year fixed | 5.84% p.a. | 6.19% p.a. |
| 2 Year fixed | 5.54% p.a. | 6.11% p.a. |
| 3 Year fixed | 6.04% p.a. | 6.21% p.a. |
| 4 Year fixed | 6.04% p.a. | 6.20% p.a. |
| 5 Year fixed | 6.04% p.a. | 6.20% p.a. |
Interest Only
| Interest Only10 |
Rate |
Comparison rate1 |
|---|---|---|
| Variable rate | 6.72% p.a. | 6.48% p.a. |
| 1 Year fixed | 6.79% p.a. | 6.49% p.a. |
| 2 Year fixed | 6.49% p.a. | 6.44% p.a. |
| 3 Year fixed | 6.54% p.a. | 6.43% p.a. |
| 4 Year fixed | 6.54% p.a. | 6.41% p.a. |
| 5 Year fixed | 6.54% p.a. | 6.40% p.a. |
Complete Home Loan
Owner Occupier
Our expert lending team will customise a home loan for your needs with our Complete Home Loan.
-
Get help from a home loan specialist
-
Best if you’re buying off the plan, refinancing land or building a home
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Great choice for more complex lending needs
Principal & Interest
|
Principal & Interest10 |
Rate | Comparison rate1 |
|---|---|---|
| Variable - LVR ≤ 60% | 6.14% p.a. | 6.36% p.a. |
| Variable - LVR 60.01-80% | 6.24% p.a. | 6.46% p.a. |
| Variable - LVR 80.01-90% | 6.49% p.a. | 6.71% p.a. |
| Variable - LVR > 90% | 7.39% p.a. | 7.61% p.a. |
| 1 Year fixed | 5.84% p.a. | 6.42% p.a. |
| 2 Year fixed | 5.54% p.a. | 6.32% p.a. |
| 3 Year fixed | 6.04% p.a. | 6.41% p.a. |
| 4 Year fixed | 6.04% p.a. | 6.39% p.a. |
| 5 Year fixed | 6.04% p.a. | 6.38% p.a. |
LVR = Loan to Value Ratio
Interest Only
|
Interest Only10 |
Rate |
Comparison rate1 |
|---|---|---|
| Variable - LVR ≤ 60% | 7.09% p.a. | 6.76% p.a. |
| Variable - LVR 60.01-80% | 7.39% p.a. | 6.95% p.a. |
| Variable - LVR 80.01-90% | N/A | N/A |
| Variable - LVR > 90% | N/A | N/A |
| 1 Year fixed | 6.79% p.a. | 6.89% p.a. |
| 2 Year fixed | 6.49% p.a. | 6.77% p.a. |
| 3 Year fixed | 6.54% p.a. | 6.71% p.a. |
| 4 Year fixed | 6.54% p.a. | 6.64% p.a. |
| 5 Year fixed | 6.54% p.a. | 6.58% p.a. |
LVR = Loan to Value Ratio
Standard residential rate
Owner Occupier
The standard residential rate is the variable base rate before a discount may be applied.
Principal & Interest
| Principal & Interest10 | Reference Rate | Comparison rate1 |
|---|---|---|
| Residential Variable Rate | 9.03% p.a. | 9.19% p.a. |
| Bendigo Express Residential Variable Rate | 9.03% p.a. | 9.15% p.a. |
Interest Only
| Interest Only |
Reference rate |
Comparison rate1 |
|---|---|---|
| Residential Variable Interest Only Rate | 9.44% p.a. | 9.38% p.a. |
| Bendigo Express Residential Variable Interest Only Rate | 9.44% p.a. | 9.34% p.a. |
Rates for Investment home loans
Compare our variable and fixed interest rates - paying off Principal and Interest (P&I) or Interest Only.
Express Home Loan
Investor
Save time and money with our Bendigo Express Online Home Loan. Apply online in minutes to access our lowest variable rate. Only available for established properties in urban areas.
-
Save time by applying online in minutes
-
Great choice for a purchase or refinance of an established property in an urban area
-
Borrow between $5K and $3M and up to 90% of the property’s value
Principal & Interest
| Principal & Interest10 | Rate | Comparison rate1 |
|---|---|---|
| Variable rate | 6.29% p.a. | 6.42% p.a. |
| 1 Year fixed | 6.64% p.a. | 6.45% p.a. |
| 2 Year fixed | 6.34% p.a. | 6.43% p.a. |
| 3 Year fixed | 6.39% p.a. | 6.45% p.a. |
| 4 Year fixed | 6.39% p.a. | 6.45% p.a. |
| 5 Year fixed | 6.39% p.a. | 6.46% p.a. |
Interest Only
| Interest Only10 |
Rate |
Comparison rate1 |
|---|---|---|
| Variable rate | 6.42% p.a. | 6.46% p.a. |
| 1 Year fixed | 6.74% p.a. | 6.50% p.a. |
| 2 Year fixed | 6.44% p.a. | 6.47% p.a. |
| 3 Year fixed | 6.49% p.a. | 6.48% p.a. |
| 4 Year fixed | 6.49% p.a. | 6.49% p.a. |
| 5 Year fixed | 6.49% p.a. | 6.49% p.a. |
Complete Home Loan
Investor
Our expert lending team will customise a home loan for your needs with our Complete Home Loan.
-
Get help from a home loan specialist
-
Best if you’re buying off the plan, refinancing land or building a home
-
Great choice for more complex lending needs
Principal & Interest
| Principal & Interest10 | Rate | Comparison rate1 |
|---|---|---|
| Variable - LVR ≤ 60% | 6.24% p.a. | 6.46% p.a. |
| Variable - LVR 60.01-80% | 6.34% p.a. | 6.56% p.a. |
| Variable - LVR 80.01-90% | 6.54% p.a. | 6.76% p.a. |
| 1 Year fixed | 6.64% p.a. | 6.59% p.a. |
| 2 Year fixed | 6.34% p.a. | 6.56% p.a. |
| 3 Year fixed | 6.39% p.a. | 6.58% p.a. |
| 4 Year fixed | 6.39% p.a. | 6.58% p.a. |
| 5 Year fixed | 6.39% p.a. | 6.58% p.a. |
LVR = Loan to Value Ratio
Interest Only
| Interest Only10 |
Rate |
Comparison rate1 |
|---|---|---|
| Variable - LVR ≤ 60% | 6.59% p.a. | 6.60% p.a. |
| Variable - LVR 60.01-80% | 6.64% p.a. | 6.68% p.a. |
| Variable - LVR 80.01-90% | N/A | N/A |
| 1 Year fixed | 6.74% p.a. | 6.69% p.a. |
| 2 Year fixed | 6.44% p.a. | 6.64% p.a. |
| 3 Year fixed | 6.49% p.a. | 6.63% p.a. |
| 4 Year fixed | 6.49% p.a. | 6.62% p.a. |
| 5 Year fixed | 6.49% p.a. | 6.61% p.a. |
LVR = Loan to Value Ratio
Standard residential rate
Investor
The standard residential rate is the variable base rate before a discount may be applied.
Principal & Interest
| Principal & Interest | Reference rate | Comparison rate1 |
|---|---|---|
| Bendigo Investment Rate | 9.61% p.a. | 9.77% p.a. |
| Bendigo Express Investment Rate | 9.61% p.a. | 9.73% p.a. |
Interest Only
| Interest Only |
Reference rate |
Comparison rate1 |
|---|---|---|
| Bendigo Investment Interest Only Rate | 10.06% p.a. | 9.99% p.a. |
| Bendigo Express Investment Interest Only Rate | 10.06% p.a. | 9.94% p.a. |
What's your next move?
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.
Historical products
View the fixed rate home loan interest rates available to fix or re-fix existing loans.
Things you should know
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 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 rate with Loan to Value Ratio (LVR) 60.01%-80% inclusive will apply at the end of the fixed rate period.
10 The variable interest rates displayed are based on the applicable Loan to Value Ratio (LVR).
