Refinance with a bank you can feel better about

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Caring for millions of customers nationally

$416 million reinvested back into local communities

Looking to refinance?

An Express Home Loan puts you in control, with a secure online application and a low variable interest rate.

Offset available on fixed or variable loans³
Only available for refinancing the home you live in

5.64

% p.a.

Variable interest rate² Owner occupied,
principal & interest

5.77

% p.a.

Comparison rate¹ Owner occupied,
principal & interest

Explore Express Home Loan Apply online

Switch with help from our home lending specialists

Flex Home Loan

Easy Home Loan

GREAT VALUE

Our simplest home loan provides great value.

Low upfront fees and no ongoing fees
Make unlimited additional repayments on a variable rate
Borrow up to 80% of your property

Owner occupied
Principal & Interest
Variable interest rate^{^^}

5.63%p.a.

Comparison rate¹

5.65%p.a.

Explore Easy Home Loan Talk to a home loan specialist

Things you should know

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.

^{^}Owner Occupied, Principal & Interest only.

^**Bendigo Flex Home Loan: The interest rate displayed is for a live-in (owner occupied), principal and interest loan and is based on a Loan to Value Ratio (LVR) between 70.01%-80%.

^{^^} Bendigo Easy Home Loan: The interest rate displayed is for a live-in (owner occupied), principal and interest loan and is based on a Loan to Value Ratio (LVR) between 70.01%-80%.

² Bendigo Express Home Loan: The interest rate displayed is for a live-in (owner occupied), principal and interest loan and is based on a maximum Loan to Value Ratio (LVR) of 80%.

³ A full offset is available on Bendigo Express Home Loans with a variable rate. A partial offset is available on Bendigo Express Home Loans with a fixed rate, where a portion of your home loan account that is equal to the balance of your linked Everyday Account is charged interest at a reduced rate (currently 1.89% p.a.) while the remaining balance of your home loan account is charged at the regular (full) home loan rate.

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.

Calculators

Important information about our Home loan comparison calculator.
Important information about our Home loan repayments calculator.

Calculator additonal information. Our Flex & Easy home loans are structured with a required monthly repayment. However, borrowers can make payments into their loan account more frequently so long as the required monthly repayment amount is paid before the repayment due date. During any fixed rate period borrowers should keep in mind that if they repay more than $20,000 per fixed term year a Break Cost Fee may be applicable. If a borrower chooses to make regular fortnightly or weekly payments to make up their monthly repayment, they can use the following guideline for calculation:

Fortnightly repayments = Monthly repayment ÷ 2
Weekly repayments = Monthly repayment ÷ 4

This guideline ensures consistency with the original repayment structure of the Home Loan, however borrowers will need to ensure that the required monthly repayment is paid on or before the due date as stated in the Credit Contract, or as advised by us when they change.