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Refinance with a bank you can feel better about.

Join the 2.5 million Aussies already benefiting from our competitive rates and trusted services.

Caring for 2.5 million customers
$320 million reinvested back into local communities
Australia’s most satisfied home loan customers*
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Refinance your home loan 

6.01
% p.a.
Variable rate2
6.14
% p.a.
Comparison rate1
  • Offset available on variable and fixed loans3
  • Access additional repayments using online redraw
  • Apply online - full online experience

What would repayments be?

If you're buying a home or looking to switch your loan from another bank our home loan repayments calculator can help.

Great loans for you

Things you should know

* Roy Morgan Single Source Data 2024

^ Roy Morgan Risk Monitor 2023. Customers of Bendigo and Adelaide Bank Limited.

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) 60.01%-80% inclusive 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, where a portion of your home loan account that is equal to the balance of your linked Everyday Account is charged interest at a reduced rate (currently 1.89% p.a.) while the remaining balance of your home loan account is charged at the regular (full) home loan 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.

Calculators

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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