Home loan interest rates

Rates effective from: 12-Oct-18

Residential lending interest rates

Variable

Owner Occupied Lending

Connect Package Home Loan Principal & Interest2* Principal & Interest Comparison rate1 Interest Only2* Interest Only Comparison rate1
For loans greater than $500,000 4.33% p.a. 4.62% p.a. 5.39% p.a. 5.59% p.a.
For loans between $250,000 and $499,999 4.43% p.a. 4.72% p.a. 5.49% p.a. 5.69% p.a.
For loans between $0 and $249,999 4.63% p.a. 4.92% p.a. 5.69% p.a. 5.89% p.a.
Basic Home Loan Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest Only Comparison rate1
Variable Rate 4.48% p.a. 4.66% p.a. 5.54% p.a. 5.67% p.a.
Residential Home Loan Principal & Interest Reference rate Principal & Interest Comparison rate1 Interest Only Reference rate Interest Only Comparison rate1
Residential Variable Rate 5.58% p.a. 5.76% p.a. 5.94% p.a. 5.94% p.a.
Home Equity Loan Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest only Comparison rate1
Variable N/A N/A 5.98% p.a. N/A
Green Home Loan Principal & Interest Interest rate Principal & Interest Comparison rate1 Interest Only Interest only Comparison rate1
For loans greater than $500,000 4.68% p.a. 4.73% p.a. N/A N/A
For loans between $250,000 and $499,999 4.78% p.a. 4.84% p.a. N/A N/A
For loans between $50,000 and $249,999 4.98% p.a. 5.04% p.a. N/A N/A
For loans less than $50,000 5.08% p.a. 5.14% p.a. N/A N/A
Low Doc Variable Rate Loan Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest only Comparison rate1
Low Doc Variable Rate Loan 5.78% p.a. 5.96% p.a. 6.84% p.a.   6.97% p.a.

Residential Investment Lending

Connect Package Home Loan Principal & Interest2* Principal & Interest Comparison rate1 Interest Only2* Interest Only Comparison rate1
For loans greater than $500,000 4.34% p.a. 4.63% p.a. 4.84% p.a. 5.04% p.a.
For loans between $250,000 and $499,999 4.44% p.a. 4.73% p.a. 4.94% p.a. 5.14% p.a.
For loans between $0 and $249,999 4.64% p.a. 4.93% p.a. 5.14% p.a. 5.34% p.a.
Basic Home Loan Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest Only Comparison rate1
Variable Rate 4.49% p.a. 4.67% p.a 4.99% p.a. 5.12% p.a.
Residential Home Loan Principal & Interest Reference rate Principal & Interest Comparison rate1 Interest Only Reference rate Interest Only Comparison rate1
Residential Investment Rate 6.11% p.a. 6.29% p.a. 6.51% p.a. 6.64% p.a.
Home Equity Loan Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest only Comparison rate1
Variable N/A N/A 6.46% p.a. N/A

Fixed rate

Available with Bendigo Connect, Bendigo Basic, Fixed Rate Residential Home Loan and Interest Only Term Loan.

Owner Occupied Lending

Loan type Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest Only Comparison rate1
1 Year Connect 4.29% p.a. 4.89% p.a. 4.79% p.a. 5.83% p.a.
2 Year Connect 3.89% p.a. 4.78% p.a. 4.49% p.a. 5.72% p.a.
3 Year Connect 4.09% p.a. 4.78% p.a. 4.59% p.a. 5.67% p.a.
4 Year Connect 4.49% p.a. 4.87% p.a. 4.99% p.a. 5.71% p.a.
5 Year Connect 4.49% p.a. 4.86% p.a. 4.99% p.a. 5.67% p.a.
Loan type Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest Only Comparison rate1
1 Year Basic 4.44% p.a. 4.66% p.a. 4.94% p.a. 5.62% p.a.
2 Year Basic 4.04% p.a. 4.58% p.a. 4.64% p.a. 5.54% p.a.
3 Year Basic 4.24% p.a. 4.60% p.a. 4.74% p.a. 5.50% p.a.
4 Year Basic 4.64% p.a. 4.72% p.a. 5.14% p.a. 5.56% p.a.
5 Year Basic 4.64% p.a. 4.73% p.a. 5.14% p.a. 5.54% p.a.
Loan type Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest Only Comparison rate1
1 Year Package 4.44% p.a. 5.11% p.a. 4.94% p.a. 6.09% p.a.
2 Year Package 4.04% p.a. 4.98% p.a. 4.64% p.a. 5.97% p.a.
3 Year Package 4.24% p.a. 4.96% p.a. 4.74% p.a. 5.90% p.a.
4 Year Package 4.64% p.a. 5.04% p.a. 5.14% p.a. 5.92% p.a.
5 Year Package 4.64% p.a. 5.02% p.a. 5.14% p.a. 5.87% p.a.

Residential Investment Lending

Loan type Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest Only Comparison rate1
1 Year Connect 4.34% p.a. 4.90% p.a. 4.79% p.a. 5.32% p.a.
2 Year Connect 4.14% p.a. 4.84% p.a. 4.29% p.a. 5.23% p.a.
3 Year Connect 4.34% p.a. 4.85% p.a. 4.59% p.a. 5.23% p.a.
4 Year Connect 4.74% p.a. 4.96% p.a. 4.99% p.a. 5.30% p.a.
5 Year Connect 4.64% p.a. 4.93% p.a. 4.99% p.a. 5.29% p.a.
Loan type Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest Only Comparison rate1
1 Year Basic 4.49% p.a. 4.67% p.a 4.94% p.a. 5.11% p.a.
2 Year Basic 4.29% p.a. 4.64% p.a 4.44% p.a. 5.04% p.a.
3 Year Basic 4.49% p.a. 4.67% p.a 4.74% p.a. 5.07% p.a.
4 Year Basic 4.89% p.a. 4.81% p.a 5.14% p.a. 5.15% p.a.
5 Year Basic 4.79% p.a. 4.80% p.a 5.14% p.a. 5.16% p.a.
Loan type Principal & Interest* Principal & Interest Comparison rate1 Interest Only* Interest Only Comparison rate1
1 Year Package 4.49% p.a. 5.12% p.a. 4.94% p.a. 5.58% p.a.
2 Year Package 4.29% p.a. 5.04% p.a. 4.44% p.a. 5.47% p.a.
3 Year Package 4.49% p.a. 5.03% p.a. 4.74% p.a. 5.47% p.a.
4 Year Package 4.89% p.a. 5.13% p.a. 5.14% p.a. 5.53% p.a.
5 Year Package 4.79% p.a. 5.09% p.a. 5.14% p.a. 5.50% p.a.

All lending interest rates are subject to change. Rates are for new business and may differ for existing customers.

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 3 eligible products are held. Connect Package Home Loan interest rates are made up of the applicable interest rate depending on aggregate lending, minus a discount of 0.05% per eligible product held, up to a maximum of 0.15% off the tiered rate.

* Fees and Charges may be applicable and can be found in the Lending Fees and Charges Guide.

Schedule of Lending Interest Rates