Key features of our Low Doc Home Loan

Our Low Doc Loan lets you self-certify your income to buy your own home, build or invest in land.

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

  2. Borrow for loan terms up to 30 years (5 years interest-only)

  3. Choose weekly, fortnightly or monthly repayments (monthly for interest-only)

  4. Unlimited additional repayments and access to these using online redraw

  5. Competitive interest rate, calculated daily and debited monthly

  6. Offset facility available

  7. Monthly service fee waived on the Bendigo Everyday Account3

  8. Low monthly service fee of $104

Great reasons to choose us

  • Competitive home loan interest rates
  • Rewarding packaged loans
  • 1.5 million customers in over 500 communities Australia wide
  • Top 60 ASX listed company

Explore our home loans

Connect Package

Fully featured and flexible, the more products you connect, the more interest you save.

Owner occupied
Principal & Interest
Variable interest rate2

3.89% p.a.

Comparison Rate1

4.16% p.a.

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Basic Home Loan

Low cost, easy to manage loan with flexible terms and additional repayment options.

Owner occupied
Principal & Interest
Variable interest rate

3.79% p.a.

Comparison Rate1

3.98% p.a.

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Connect Package

Fully featured and flexible, the more products you connect, the more interest you save.

Owner occupied
Principal & Interest
2 year fixed interest rate5

3.89% p.a.

Comparison Rate1

4.63% p.a.

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Additional information

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.

  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. Connect Package: Offer is available to customers with new owner occupied, principal and interest home loans above $150,000 with a loan to valuation ratio of up to maximum loan to valuation ratio of 80% and three additional eligible products. Eligible products cannot be from the same product type. Offer may be varied or withdrawn at any time.
  3. Refer to the Schedule of Fees, Charges and Transaction Account Rebates for more information.
  4. Refer to the Lending Fees and Charges Guide for more information.
  5. Connect Package 2 Year Fixed: Offer is available to customers with owner occupied, principal and interest home loans, a loan to valuation ratio of up to maximum of 95% and three additional eligible products. Eligible products cannot be from the same product type. Offer may be varied or withdrawn at any time.