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The Norris family saved $5,772 last year on their home loan1

    • All over Australia, homeowners are saving money with a free home loan health check

    Whether you're looking to refinance, invest in a new property, or lower your repayments, a home loan health check could be just what you need to get ahead and realise your goals.

    • adding an offset account could save you interest
    • your LVR (loan to value ratio) could help lower your interest rate
    • equity could help you invest in property

    How our home loan health check works

    We’ll give your home loan a full check-up, looking at your:

    Interest rate

    We'll compare your current interest rate to see if there is a better rate for you.

    Term

    We'll look at how changing the term of your loan may help lower your repayments.

    Repayment options

    We'll look to see how changing the frequency of repayments impacts your loan.

    Home equity

    We'll also explore the equity you have in your home to see if a better rate can be offered.

    Then we’ll talk to you about your goals, and what you hope to achieve in the next few years, including paying down or paying off your loan, renovating, refinancing, or investing.

    Find out how much you could save!

    What can we help you with?

    Home loan health checks will take into account your personal circumstances. Savings may not be available to all customers. Should contact be unsuccessful via phone, Bendigo and Adelaide Bank Limited (Bendigo Bank) may contact you via an alternative contact method (SMS or email).

    By submitting this form, you confirm you have read the Electronic Communication Consent and Authority and consent to receiving future communications from Bendigo Bank electronically. You can unsubscribe at any time.

    Bendigo Bank is part of the Bendigo and Adelaide Bank Group. We collect your personal information in order to respond to your enquiry and contact you; your personal information may be shared within the Group. This includes subsidiaries, related companies, agencies and franchises. To request access to your personal information, please contact your nearest branch or 1300 236 344. For more information, please read our Privacy Policy.

    Things you should know

    All loans are subject to the bank's normal lending criteria. Terms and conditions, fees and charges apply and are subject to change.

    1 Norris family: amount saved was annual payments reduction on an owner-occupied home loan when repayments dropped by $481 a month from lower interest rate and loan restructure.

    Customers not shown in image.

    2 The Alder Family: amount saved was annual interest saving from $125,000 in a new offset account with a loan balance of $200,000.

    3 Jen’s: amount saved will be annual payments reduction on $481,000 loan when repayments dropped by $369 a month from a lower interest rate.

    4 Chris and Steve’s: amount saved was interest savings on $481,000 loan from a lower interest rate.

    5 The Timmins Family: amount saved was annual payments reduction on $727,000 loan when repayments dropped by $184 a month and annual interest savings of $2,395 from a lower interest rate.

    Actual savings will depend on individual circumstances and any rate changes. T&Cs apply.

    ^ Roy Morgan Risk Monitor 2024. Customers of Bendigo and Adelaide Bank Limited.

    * Roy Morgan Single Source Data 2024

    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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