Join the 2.5 million Aussies already benefiting from our competitive rates and trusted services.
Caring for 2.5 million customers
$366 million reinvested back into local communities
Australia’s most satisfied home loan customers*
Refinance your home loan
6.09
Variable rate2
%
p.a.
6.22
Comparison rate1
%
p.a.
-
Offset available on variable and fixed loans3
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Access additional repayments using online redraw
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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 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.
Talk to a home loan specialist
Talk with a home loan specialist to arrange your pre-approval with our Complete Home Loan today.
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Get help from a home loan specialist.
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Best if you’re buying off the plan, refinancing land or building a home.
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Great choice for more complex lending needs.
Owner occupied
Principal & interest
2 year fixed interest rate3
Principal & interest
2 year fixed interest rate3
5.54%p.a.
Comparison rate1
6.32%p.a.
Apply online
Apply for pre-approval online via our Express Home Loan.
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Our virtual support team is here if you need help.
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Save time by applying online in minutes.
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Great choice for a purchase or refinance of an established property or land in an urban area.
Owner occupied
Principal & interest
2 year fixed interest rate2
Principal & interest
2 year fixed interest rate2
5.54%p.a.
Comparison rate1
6.11%p.a.
Things you should know
* Roy Morgan Single Source Data 2024
^ Roy Morgan Risk Monitor 2024. 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
- Important information about our Home loan comparison calculator.
- Important information about our Home loan repayments calculator.
