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Moving to Bendigo Bank is easier than ever

Refinance with a bank you can feel better about and join 1.9 million Aussies already benefiting from our competitive rates and trusted services.

Caring for 1.9 million customers
$320 million reinvested back into local communities
Australia’s most satisfied home loan customers*


Refinance your home loan 

% p.a.
Variable rate2
% p.a.
Comparison rate1
  • Offset available on variable and fixed loans3
  • Access additional repayments using online redraw
  • Apply online - full online experience

Great reasons to refinance your home loan with Bendigo Bank

Our competitive rates, simplified home loan products, and personalised customer service. Just some of the reasons why our customers choose to bank with us. We're Australia's most trusted bank.^

See for yourself when you switch your home loan to Bendigo Bank, the better big bank.

Move other banking

Also interested in moving your other banking to us? Learn how to easily switch your transaction account or personal loan today.

Great loans for you

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Things you should know

* Roy Morgan Single Source Australia, May 2023

^ Roy Morgan Quarterly Update February 2023

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. 

For Bendigo Complete Fixed Rate Home Loan the comparison rate assumes a variable rate with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period. 

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 90%. 

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. 

10 The variable interest rates displayed are based on the applicable Loan to Value Ratio (LVR).

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.


Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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