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Bendigo Bank Home Loan Rates

Active products
131
Lowest variable
6.23%
Lowest fixed
6.39%
Lowest comparison
6.07%
Last updated
28 July 2026

Bendigo Bank is Australia's largest customer-connected community bank, headquartered in Bendigo, Victoria. Its Connect package bundles offset and redraw with the Express, Complete and Connect Variable home-loan tiers. Bendigo's policy is generally PAYG-friendly with a focus on regional and customer-owned-bank-style relationships.

What is the lowest Bendigo Bank home loan rate?

The lowest Bendigo Bank variable home loan rate Ratesniffers tracks is 6.23% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 100 Bendigo Bank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does Bendigo Bank offer?

Ratesniffers currently tracks 100 Bendigo Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

Bendigo Bank home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Investor P&I6.23% p.a.6.25% p.a.80%
Variable Investor interest-only6.34% p.a.6.29% p.a.80%
Fixed 1-year Owner-occupier P&I6.39% p.a.6.18% p.a.80%
Fixed 3-year Owner-occupier P&I6.39% p.a.6.22% p.a.80%
Fixed 1-year Owner-occupier P&I6.39% p.a.6.07% p.a.100%
Fixed 3-year Owner-occupier P&I6.39% p.a.6.16% p.a.100%
Fixed 2-year Owner-occupier P&I6.44% p.a.6.21% p.a.80%
Fixed 4-year Owner-occupier P&I6.44% p.a.6.26% p.a.80%
Fixed 5-year Owner-occupier P&I6.44% p.a.6.29% p.a.80%
Fixed 2-year Owner-occupier P&I6.44% p.a.6.13% p.a.100%
Fixed 4-year Owner-occupier P&I6.44% p.a.6.22% p.a.100%
Fixed 5-year Owner-occupier P&I6.44% p.a.6.26% p.a.100%

100 Bendigo Bank home loan products

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Who is Bendigo Bank?

Bendigo Bank began in 1858 as a building society on the Victorian goldfields, converted to a bank in 1995, and merged with Adelaide Bank in November 2007 to form Bendigo and Adelaide Bank, one of Australia's largest regional banks. It is ASX-listed with more than 110,000 shareholders.

Its signature is the Community Bank model, running since 1998: many branches are operated jointly with a locally owned community company, and a share of the branch's profits flows back into that community. The result is one of the widest branch and agency footprints outside the big four, especially in regional Australia.

Who suits a Bendigo Bank home loan?

Bendigo Bank tends to suit borrowers who want a full-service alternative to the big four with genuine regional branch coverage, and customers who value the community-return model. As with any major lender, its headline rates sit across a wide range of products, so compare its comparison rate against the sharpest in the table above rather than assuming the brand premium either way.

Background facts checked 14 July 2026. Rates above refresh independently.

Bendigo Bank home loans: frequently asked questions

What is the lowest Bendigo Bank home loan rate?

Bendigo Bank's lowest variable home loan rate is currently 6.23% p.a., and its lowest fixed rate is 6.39% p.a., based on the 100 Bendigo Bank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Bendigo Bank approves, a broker can often negotiate a sharper deal on your scenario.

How does Bendigo Bank's home loan rate compare to the market?

Bendigo Bank's lowest variable home loan rate today is 6.23% p.a., which is 14 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Bendigo Bank to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Bendigo Bank sits right now rather than a fixed snapshot.

How many home loan products does Bendigo Bank offer?

Ratesniffers currently tracks 131 Bendigo Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 100 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is Bendigo Bank competitive for refinancing?

It depends on your loan size and LVR. Bendigo Bank's lowest comparison rate is currently 6.07% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Bendigo Bank against the sharpest available rate usually pays off.

How often are Bendigo Bank's home loan rates updated?

Ratesniffers refreshes Bendigo Bank's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Bendigo Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

Bendigo Bank rates by borrower and loan type

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