Rates effective from: 31/10/2025
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 | 5.39% p.a. | 5.93% p.a. | 6.34% p.a. | 6.41% p.a. |
| 2 Year Fixed | 5.29% p.a. | 5.89% p.a. | 6.09% p.a. | 6.31% p.a. |
| 3 Year Fixed | 5.59% p.a. | 5.94% p.a. | 6.09% p.a. | 6.24% p.a. |
| 4 Year Fixed | 5.79% p.a. | 6.00% p.a. | 6.29% p.a. | 6.24% p.a. |
| 5 Year Fixed | 5.79% p.a. | 6.01% p.a. | 6.29% p.a. | 6.20% p.a. |
|
Other Historical Loans |
Principal & Interest rate |
Principal & Interest Comparison rate1 |
Interest Only rate |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| 1 Year Fixed | 5.39% p.a. | 5.83% p.a. | 6.34% p.a. | 6.31% p.a. |
| 2 Year Fixed | 5.29% p.a. | 5.78% p.a. | 6.09% p.a. | 6.21% p.a. |
| 3 Year Fixed | 5.59% p.a. | 5.83% p.a. | 6.09% p.a. | 6.14% p.a. |
| 4 Year Fixed | 5.79% p.a. | 5.90% p.a. | 6.29% p.a. | 6.15% p.a. |
| 5 Year Fixed | 5.79% p.a. | 5.91% p.a. | 6.29% p.a. | 6.10% 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 | 5.59% p.a. | 6.23% p.a. | 5.69% p.a. | 6.27% p.a. |
| 2 Year Fixed | 5.49% p.a. | 6.17% p.a. | 5.59% p.a. | 6.21% p.a. |
| 3 Year Fixed | 5.79% p.a. | 6.21% p.a. | 5.89% p.a. | 6.24% p.a. |
| 4 Year Fixed | 5.99% p.a. | 6.27% p.a. | 6.09% p.a. | 6.29% p.a. |
| 5 Year Fixed | 5.99% p.a. | 6.27% p.a. | 6.09% p.a. | 6.29% p.a. |
|
Other Historical Loans |
Principal & Interest rate |
Principal & Interest Comparison rate1 |
Interest Only rate |
Interest Only Comparison rate1 |
|---|---|---|---|---|
| 1 Year Fixed | 5.59% p.a. | 6.13% p.a. | 5.69% p.a. | 6.18% p.a. |
| 2 Year Fixed | 5.49% p.a. | 6.07% p.a. | 5.59% p.a. | 6.12% p.a. |
| 3 Year Fixed | 5.79% p.a. | 6.11% p.a. | 5.89% p.a. | 6.15% p.a. |
| 4 Year Fixed | 5.99% p.a. | 6.17% p.a. | 6.09% p.a. | 6.20% p.a. |
| 5 Year Fixed | 5.99% p.a. | 6.17% p.a. | 6.09% p.a. | 6.20% p.a. |
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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 rates: The comparison rates displayed are calculated for a loan of $150,000 over 25 years. 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 different comparison rates.
For a Bendigo Complete Home Loan or Bendigo Express Loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate with Loan to Value Ratio (LVR) 60.01%-80% inclusive will apply at the end of the fixed rate period. For a Bendigo Flex Home Loan or Bendigo Easy Home 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. For an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years. For a Bendigo Complete or Bendigo Express interest only home loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is 5 years. For a Bendigo Flex Home Loan or Bendigo Easy Home Loan that is interest only with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period.
