Rates effective from: 23/11/2021
Residential lending interest rates
See our home loan glossary for detailed explanations of lending terms such as LVR, LMI and many more.
Variable - Owner Occupied Lending
|
Complete Home Loan |
Principal & Interest10 |
Principal & Interest Comparison rate1 |
Interest Only10 |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| LVR ≤ 60% | 2.29% p.a. | 2.55% p.a. | 3.44% p.a. | 2.95% p.a. |
| LVR 60.01-80% | 2.39% p.a. | 2.65% p.a. | 3.54% p.a. | 3.05% p.a. |
| LVR 80.01-90% | 3.09% p.a. | 3.34% p.a. | N/A | N/A |
| LVR > 90% | 3.29% p.a. | 3.54% p.a. | N/A | N/A |
|
Express Home Loan |
Principal & Interest |
Principal & Interest Comparison rate1 |
Interest Only |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| Variable rate | 1.99% p.a. | 2.17% p.a. | 3.44% p.a. | 2.68% p.a. |
|
Residential Home Loan |
Principal & Interest Reference rate |
Principal & Interest Comparison rate1 |
Interest Only Reference rate |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| Residential Variable Rate | 4.78% p.a. | 4.95% p.a. | 5.19% p.a. | 5.11% p.a. |
Variable - Residential Investment Lending
|
Complete Home Loan |
Principal & Interest10 |
Principal & Interest Comparison rate1 |
Interest Only10 |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| LVR ≤ 60% | 2.39% p.a. | 2.65% p.a. | 2.79% p.a. | 2.76% p.a. |
| LVR 60.01-80% | 2.49% p.a. | 2.75% p.a. | 2.89% p.a. | 2.86% p.a. |
| LVR 80.01-90% | 3.44% p.a. | 3.68% p.a. | N/A | N/A |
|
Express Home Loan |
Principal & Interest |
Principal & Interest Comparison rate1 |
Interest Only |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| Variable rate | 3.04% p.a. | 3.21% p.a. | 3.44% p.a. | 3.34% p.a. |
|
Residential Home Loan |
Principal & Interest Reference rate |
Principal & Interest Comparison rate1 |
Interest Only Reference rate |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| Bendigo Investment Rate | 5.36% p.a. | 5.53% p.a. | 5.81% p.a. | 5.71% p.a. |
Fixed Rate - Owner Occupied Lending
|
Complete Home Loan |
Principal & Interest |
Principal & Interest Comparison rate1 |
Interest Only |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| 1 Year Complete | 1.99% p.a. | 2.61% p.a. | 3.09% p.a. | 3.01% p.a. |
| 2 Year Complete | 2.34% p.a. | 2.64% p.a. | 3.14% p.a. | 2.98% p.a. |
| 3 Year Complete | 2.79% p.a. | 2.75% p.a. | 3.59% p.a. | 3.06% p.a. |
| 4 Year Complete | 2.99% p.a. | 2.84% p.a. | 3.89% p.a. | 3.16% p.a. |
| 5 Year Complete | 3.19% p.a. | 2.96% p.a. | 3.99% p.a. | 3.22% p.a. |
|
Express Home Loan |
Principal & Interest |
Principal & Interest Comparison rate1 |
Interest Only |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| 1 Year Express | 1.94% p.a. | 2.16% p.a. | 3.04% p.a. | 2.65% p.a. |
| 2 Year Express | 2.29% p.a. | 2.22% p.a. | 3.09% p.a. | 2.63% p.a. |
| 3 Year Express | 2.74% p.a. | 2.35% p.a. | 3.54% p.a. | 2.71% p.a. |
| 4 Year Express | 2.94% p.a. | 2.47% p.a. | 3.84% p.a. | 2.81% p.a. |
| 5 Year Express | 3.14% p.a. | 2.61% p.a. | 3.94% p.a. | 2.88% p.a. |
Fixed Rate - Residential Investment Lending
|
Complete Home Loan |
Principal & Interest |
Principal & Interest Comparison rate1 |
Interest Only |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| 1 Year Complete | 2.49% p.a. | 2.75% p.a. | 2.69% p.a. | 2.85% p.a. |
| 2 Year Complete | 2.64% p.a. | 2.77% p.a. | 2.84% p.a. | 2.86% p.a. |
| 3 Year Complete | 2.99% p.a. | 2.87% p.a. | 3.19% p.a. | 2.93% p.a. |
| 4 Year Complete | 3.19% p.a. | 2.97% p.a. | 3.39% p.a. | 3.02% p.a. |
| 5 Year Complete | 3.29% p.a. | 3.06% p.a. | 3.49% p.a. | 3.09% p.a. |
|
Express Home Loan |
Principal & Interest |
Principal & Interest Comparison rate1 |
Interest Only |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| 1 Year Express | 2.44% p.a. | 3.15% p.a. | 2.64% p.a. | 3.27% p.a. |
| 2 Year Express | 2.59% p.a. | 3.13% p.a. | 2.79% p.a. | 3.23% p.a. |
| 3 Year Express | 2.94% p.a. | 3.18% p.a. | 3.14% p.a. | 3.27% p.a. |
| 4 Year Express | 3.14% p.a. | 3.24% p.a. | 3.34% p.a. | 3.31% p.a. |
| 5 Year Express | 3.24% p.a. | 3.29% p.a. | 3.44% p.a. | 3.34% p.a. |
Historical Products
Below are the fixed rate home loan interest rates available to fix or re-fix existing loans.
Fixed Rate - Owner Occupied Lending
|
Connect Home Loan |
Principal & Interest |
Principal & Interest Comparison rate1 |
Interest Only |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| 1 Year Fixed | 2.19% p.a. | 3.23% p.a. | 3.29% p.a. | 3.52% p.a. |
| 2 Year Fixed | 2.54% p.a. | 3.23% p.a. | 3.34% p.a. | 3.49% p.a. |
| 3 Year Fixed | 2.99% p.a. | 3.30% p.a. | 3.79% p.a. | 3.57% p.a. |
| 4 Year Fixed | 3.19% p.a. | 3.37% p.a. | 4.09% p.a. | 3.67% p.a. |
| 5 Year Fixed | 3.39% p.a. | 3.46% p.a. | 4.19% p.a. | 3.73% p.a. |
|
Other Historical Loans |
Principal & Interest rate |
Principal & Interest Comparison rate1 |
Interest Only rate |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| 1 Year Fixed | 2.19% p.a. | 3.11% p.a. | 3.29% p.a. | 3.41% p.a. |
| 2 Year Fixed | 2.54% p.a. | 3.11% p.a. | 3.34% p.a. | 3.38% p.a. |
| 3 Year Fixed | 2.99% p.a. | 3.18% p.a. | 3.79% p.a. | 3.46% p.a. |
| 4 Year Fixed | 3.19% p.a. | 3.25% p.a. | 4.09% p.a. | 3.56% p.a. |
| 5 Year Fixed | 3.39% p.a. | 3.34% p.a. | 4.19% p.a. | 3.62% p.a. |
Fixed Rate - Residential Investment Lending
|
Connect Home Loan |
Principal & Interest |
Principal & Interest Comparison rate1 |
Interest Only |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| 1 Year Fixed | 2.69% p.a. | 3.59% p.a. | 2.89% p.a. | 3.70% p.a. |
| 2 Year Fixed | 2.84% p.a. | 3.56% p.a. | 3.04% p.a. | 3.65% p.a. |
| 3 Year Fixed | 3.19% p.a. | 3.61% p.a. | 3.39% p.a. | 3.68% p.a. |
| 4 Year Fixed | 3.39% p.a. | 3.67% p.a. | 3.59% p.a. | 3.72% p.a. |
| 5 Year Fixed | 3.49% p.a. | 3.71% p.a. | 3.69% p.a. | 3.75% p.a. |
|
Other Historical Loans |
Principal & Interest rate |
Principal & Interest Comparison rate1 |
Interest Only rate |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| 1 Year Fixed | 2.69% p.a. | 3.47% p.a. | 2.89% p.a. | 3.59% p.a. |
| 2 Year Fixed | 2.84% p.a. | 3.44% p.a. | 3.04% p.a. | 3.55% p.a. |
| 3 Year Fixed | 3.19% p.a. | 3.49% p.a. | 3.39% p.a. | 3.58% p.a. |
| 4 Year Fixed | 3.39% p.a. | 3.55% p.a. | 3.59% p.a. | 3.62% p.a. |
| 5 Year Fixed | 3.49% p.a. | 3.59% p.a. | 3.69% p.a. | 3.64% p.a. |
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 with Loan to Value Ratio (LVR) between 60.01%-80% 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).
