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Home loan rates

Rates effective from: 15/07/2022

Rates for Owner Occupier home loans

Compare our variable and fixed interest rates - paying off Principal and Interest (P&I) or Interest Only.

Learn the lingo

See our home loan glossary for detailed explanations of lending terms such as LVR, LMI and many more.

Complete Home Loan

The Complete Home Loan offers the flexibility you want, with the features and benefits you need, plus support from a specialist lender.

Principal & Interest

Principal & Interest10

Rate Comparison rate1
Variable - LVR ≤ 60% 3.34% p.a. 3.59% p.a. 
Variable - LVR 60.01-80% 3.44% p.a. 3.68% p.a.
Variable - LVR 80.01-90% 4.34% p.a. 4.58% p.a.
Variable - LVR > 90% 4.54% p.a. 4.77% p.a.
1 Year fixed 4.99% p.a. 3.83% p.a.
2 Year fixed 5.49% p.a. 4.05% p.a.
3 Year fixed 5.79% p.a. 4.30% p.a.
4 Year fixed 5.89% p.a. 4.52% p.a.
5 Year fixed 5.99% p.a. 4.75% p.a.
LVR = Loan to Value Ratio

Interest Only

Interest Only10

Rate

Comparison rate1

Variable - LVR ≤ 60% 3.94% p.a. 3.79% p.a.
Variable - LVR 60.01-80% 4.14% p.a. 3.93% p.a.
Variable - LVR 80.01-90% N/A N/A
Variable - LVR > 90% N/A N/A
1 Year Complete 5.39% p.a. 4.04% p.a.
2 Year Complete 5.89% p.a. 4.23% p.a.
3 Year Complete 6.19% p.a. 4.45% p.a.
4 Year Complete 6.29% p.a. 4.65% p.a.
5 Year Complete 6.39% p.a. 4.86% p.a.
LVR = Loan to Value Ratio

Express Home Loan

The Express Home Loan is an online only product with our lowest variable rate.

Principal & Interest

Principal & Interest10 Rate Comparison rate1
Variable rate 3.24% p.a. 3.40% p.a.
1 Year fixed 4.94% p.a. 3.56% p.a.
2 Year fixed 5.44% p.a. 3.80% p.a.
3 Year fixed 5.74% p.a. 4.06% p.a.
4 Year fixed 5.84% p.a. 4.29% p.a.
5 Year fixed 5.94% p.a. 4.53% p.a.

Interest Only

Interest Only10

Rate

Comparison rate1

Variable rate 3.94% p.a. 3.66% p.a.
1 Year Express       5.34% p.a. 3.77% p.a.
2 Year Express 5.84% p.a. 3.98% p.a.
3 Year Express 6.14% p.a. 4.21% p.a.
4 Year Express 6.24% p.a. 4.42% p.a.
5 Year Express 6.34% p.a. 4.64% p.a.

Standard residential rate

This is the standard residential variable rate.

Principal & Interest

Principal & Interest Reference rate Comparison rate1
Residential Variable Rate 6.03% p.a. 6.20% p.a.

Interest Only

Interest Only

Reference rate

Comparison rate1

Residential Variable Rate 6.44% p.a. 6.36% p.a.

Rates for Investment home loans

Compare our variable and fixed interest rates - paying off Principal and Interest (P&I) or Interest Only.

Learn the lingo

See our home loan glossary for detailed explanations of lending terms such as LVR, LMI and many more.

Complete Home Loan

The Complete Home Loan offers you as an investor the flexibility you want, with the features and benefits you need, plus support from a specialist lender.

Principal & Interest

Principal & Interest10 Rate Comparison rate1
Variable - LVR ≤ 60% 3.54% p.a. 3.78% p.a.
Variable - LVR 60.01-80% 3.74% p.a. 3.98% p.a.
Variable - LVR 80.01-90% 4.69% p.a. 4.92% p.a.
1 Year fixed 5.19% p.a. 4.12% p.a.
2 Year fixed 5.69% p.a. 4.34% p.a.
3 Year fixed 5.99% p.a. 4.58% p.a.
4 Year fixed 6.09% p.a. 4.80% p.a.
5 Year fixed 6.19% p.a. 5.01% p.a.
LVR = Loan to Value Ratio

Interest Only

Interest Only10

Rate

Comparison rate1

Variable - LVR ≤ 60% 3.94% p.a. 3.91% p.a.
Variable - LVR 60.01-80% 4.14% p.a. 4.11% p.a.
Variable - LVR 80.01-90% N/A N/A
1 Year Complete 5.39% p.a. 4.22% p.a.
2 Year Complete 5.89% p.a. 4.41% p.a.
3 Year Complete 6.19% p.a. 4.63% p.a.
4 Year Complete 6.29% p.a. 4.83% p.a.
5 Year Complete 6.39% p.a. 5.05% p.a.
LVR = Loan to Value Ratio

Express Home Loan

The Express Home Loan offers you as an investor an online only product with our lowest variable rate.

Principal & Interest

Principal & Interest10 Rate Comparison rate1
Variable rate 3.54% p.a. 3.70% p.a.
1 Year fixed 5.14% p.a. 3.85% p.a.
2 Year fixed 5.64% p.a. 4.08% p.a.
3 Year fixed 5.94% p.a. 4.34% p.a.
4 Year fixed 6.04% p.a. 4.56% p.a.
5 Year fixed 6.14% p.a. 4.79% p.a.

Interest Only

Interest Only10

Rate

Comparison rate1

Variable rate 3.94% p.a. 3.84% p.a.
1 Year Express       5.34% p.a. 3.96% p.a.
2 Year Express 5.84% p.a. 4.16% p.a.
3 Year Express 6.14% p.a. 4.39% p.a.
4 Year Express 6.24% p.a. 4.60% p.a.
5 Year Express 6.34% p.a. 4.83% p.a.

Standard investment rate

This is the standard residential investment rate.

Principal & Interest

Principal & Interest Reference rate Comparison rate1
Bendigo Investment Rate 6.61% p.a. 6.78% p.a.

Interest Only

Interest Only

Reference rate

Comparison rate1

Bendigo Investment Rate 7.06% p.a. 6.96% p.a.

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 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).

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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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