3 in 1 home loan calculator delivers more than just your borrowing power.

In just minutes you can find out how much you can borrow and what to expect before you head down the home loan application path.

What we'll calculate:

  • How much you can borrow
  • Your borrowing costs, including stamp duty, lenders mortgage insurance and first home buyer grants
  • Your repayments

No credit checks, no paperwork. Your home loan estimate delivered in minutes.


Key features of the Connect Package

  1. Borrow for loan terms up to 30 years

  2. Choose a variable or fixed interest rate

  3. Choose principal and interest, or interest-only repayments

  4. Choose weekly, fortnightly or monthly repayments

  5. Unlimited additional repayments if variable

  6. Access additional repayments using online redraw

  7. Owner Occupied: Borrow up to 95% on the value of the property

  8. Investment: Borrow up to 90% of the value of the property

Great reasons to choose us

  • Competitive home loan interest rates
  • Rewarding packaged loans
  • 1.5 million customers in over 500 communities Australia wide
  • Top 70 ASX listed company

Explore our home loans

Special Basic Home Loan Offer

Our Basic Home Loan is a low-cost, easy-to-understand home loan with flexible terms for interest and repayments.

Interest rate4 (owner occupied)

3.99% p.a.

Comparison Rate1 (owner occupied)

4.17% p.a.


Green Home Loan

Our Green Home Loan rewards you for renovating or building in a sustainable way, with discounts on interest rates for those who meet our green criteria.

Interest rate3 (owner occupied)

4.78% p.a.

Comparison Rate1 (owner occupied)

4.84% p.a.


Home Equity Loan

Our Home Equity Loan gives you a line of credit with full transaction functionality and the ability to draw on available funds.

Interest rate (owner occupied)

5.98% p.a.

Comparison Rate1 (owner occupied)



Additional information

Terms, conditions, fees and charges apply. All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.

^ Mozo People's Choice Awards 2018

* To be eligible to save $625 on home loan fees, a new home loan application must be received after 25 October 2015. A new home loan must be for External Refinance and/ or Purchase and/or Construction for Owner Occupied property. The application must be for the Bendigo Connect product and the customer must currently hold or take out two additional or complementary products with Bendigo Bank. Complementary products cannot be from the same product type. Full details available on application. Terms and conditions, fees and charges and lending criteria apply.

  1. Important information about comparison rates: The comparison rates displayed are 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 rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

  2. The interest rate displayed assumes at least three eligible products are held as part of the Connect Package Home Loan.  Rates are based on variable P&I Owner Occupied loan for with a minimum loan amount of $150,000 with an LVR less than 80%.
  3. Rates are based on variable P&I Owner Occupied loan for loan amount $250,000- $499,999.
  4. Offer is available to customers for new Owner Occupied, Principal and Interest Basic home loans above $150,000 with a loan to valuation ratio of up to 80%. Special Rate available on Basic product until 31 December 2018. Terms, conditions, fees and charges apply. All information is correct as at 1 October 2018 and is subject to change. Full details available on application. Lending criteria apply.
  5. Discount is off of the Bendigo Investment Rate is made up of the applicable lending tier depending on your aggregate lending amount, plus a discount of 0.05% per eligible product, up to a maximum of 0.15% off the tiered rate. Discount varies depending on loan purpose.