Is an online home loan right for me?

Buying a property, whether it’s your first home or your fifth, can be a lengthy process. Luckily, sorting your home loan might be one of the fastest and easiest things to tick off your to do list. Bendigo Bank’s Express Home Loan is our simple, quick and online-based home loan offering that can get you moving sooner. Plus, it still comes with all the real human support of our other lending products. Ready to find out more?

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Is an online home loan right for me?

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At Bendigo Bank, we’ve got the recipe for a fast home loan.
Apply online with Bendigo Bank's Express Home Loan and take advantage of our lowest variable rate.

Key ingredients are your property address and the amount you want to borrow.
Plus, you’ll need to share your financials and verify your identity. All on our secure online platform of course.
There’s also human support when you need it.

If you want to cut out the paperwork and get a great deal then our online home loan could be just right for you.

Search Bendigo Bank Express.

Bendigo Bank. The Better Big Bank.

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.

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What is an online home loan?

The Bendigo Bank Express Home Loan is our online-only home loan that gets you our lowest variable rate. The application process is all done online, and you can get pre-approval, conditional approval and unconditional approval fast. Even though it all happens online, you can still get help from our Bendigo Bank team members whenever you need it.

What features can I get with the Express Home Loan?

The Express Home Loan is available for owner occupier or investor loans and comes with our lowest variable rate. You can also get access to a raft of fixed rate options, as well as features like free additional repayments, redraw facilities and offset accounts.

Who is eligible for the Express Home Loan?

To be eligible for the Express Home Loan, you’ll need to have at least a 10% deposit (or equity), plus savings to cover fees and charges like stamp duty and Lenders Mortgage Insurance (LMI) if you have less than a 20% deposit. You’ll also need to be buying or refinancing an established property, be employed or self-employed, and be an Australian citizen or permanent resident.

Who is an online home loan best suited to?

The Express Home Loan can suit people in various different situations, but there are some borrowers who may find it particularly appealing.

• You want to skip the paperwork.
  The Express Home Loan is all hosted online, and your application is assessed as you complete it. If you want to skip the hassle of in-person paperwork, an online home loan can save you time and effort and get your property purchase moving quickly.
• You want to move quickly on a property.
  We called it the Express Home Loan because it’s fast. If you want to move quickly on a property purchase or refinance, an online home loan could be the solution. If your application is simple and you meet our criteria, you could obtain approval immediately after applying.
• You want to be able to make additional repayments, or use offset or redraw.
  The Express Home Loan gets you access to features that make staying on top of your home loan easier. If you might want to make extra repayments or use your savings to reduce interest on your loan, you can get all that and more.

What are our Express Home Loan customers saying?

“Online application was very easy, all staff I spoke to during the process were very helpful”.

“Interaction with the Settlement Agent and myself felt like an old fashion bank – personalised.”

“Quick to do, quick approval, support team are very good - updates every day throughout the process.”

“Everyone has been super friendly, easy to get hold of people for support. Communication has been amazing.”

Find out more about our Express Home Loan, including what you’ll need to apply and what happens afterwards.