Interest
7.04%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,340
LVR ≤80%
Bendigo Bank Home Loan Rates
What are Bendigo Bank home loan rates?
Bendigo Bank home loan rates for an owner-occupier principal-and-interest loan at 80% LVR are 6.13% p.a. (6.15% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 10 September 2026. A Bendigo Bank loan on this page is one of the Flex, Easy or Express products in the live table. compare all lenders on the wider market table. This is general information, not a recommendation to borrow.
| Product | Type | Rate p.a. | Comparison rate* | LVR |
|---|---|---|---|---|
| Bendigo Easy Home Loan | Variable | 6.13% | 6.15% | 80% |
| Bendigo Flex Home Loan | Variable | 6.18% | 6.36% | 80% |
| Bendigo Flex Home Loan (Retail) | Variable | 6.18% | 6.38% | 80% |
| Bendigo Complete Home Loan | Variable | 6.18% | 6.40% | 80% |
| Bendigo Flex Home Loan (Retail) | 5-year fixed | 6.54% | 6.54% | 80% |
| Bendigo Flex Home Loan | 1-year fixed | 6.99% | 7.07% | 80% |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Tracked products
131
Lowest variable
5.89%
Lowest fixed
6.39%
Lowest comparison
6.02%
Last updated
10 Sept 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 are Bendigo Bank home loan rates?
Bendigo Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.89% p.a. and the lowest fixed rate currently 6.39% p.a., last verified 10 Sept 2026. Compare Bendigo Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Bendigo Bank home loan rate?
The lowest Bendigo Bank variable home loan rate Ratesniffers tracks is 5.89% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 8 Bendigo Bank products on this page that pass data-quality checks, ranked by comparison rate, last verified 10 Sept 2026.
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 8 that pass our data-quality checks on this page. 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.
The figures on this page cover Bendigo Bank home loans. To compare home loan rates Australia, open the wider market table ranked by comparison rate.
Bendigo Bank home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 5-year Owner-occupier interest-only | 7.04% p.a. | 6.72% p.a. | 90% |
| Fixed 2-year Owner-occupier interest-only | 7.04% p.a. | 6.55% p.a. | 90% |
| Fixed 4-year Owner-occupier interest-only | 7.04% p.a. | 6.68% p.a. | 90% |
| Fixed 5-year Owner-occupier interest-only | 7.04% p.a. | 6.74% p.a. | 90% |
| Variable Owner-occupier interest-only | 7.23% p.a. | 6.62% p.a. | 80% |
| Variable Owner-occupier interest-only | 7.28% p.a. | 6.87% p.a. | 90% |
| Variable Owner-occupier interest-only | 7.28% p.a. | 6.83% p.a. | 90% |
| Variable Owner-occupier interest-only | 7.28% p.a. | 6.85% p.a. | 90% |
8 of 131 tracked Bendigo Bank home loan products
Interest
7.04%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,340
LVR ≤80%
Interest
7.04%p.a.
Comparison*
6.68%p.a.
Est. repayment
$3,340
LVR ≤80%
Interest
7.04%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,340
LVR ≤80%
Interest
7.23%p.a.
Comparison*
Not available
Est. repayment
$3,404
LVR ≤80%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 60 to 80%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR ≤80%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR ≤80%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
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, customers who value the community-return model, and first home buyers, since Bendigo is a participating lender for the Australian Government 5% Deposit Scheme. Its range is deliberately short, three home loans covering offset, no-frills and refinance-only, so compare its comparison rate against the sharpest in the table above rather than assuming the brand premium either way.
Bendigo Bank's lowest variable rate today is 5.89% p.a., 35 basis points below the 6.24% p.a. median across the lenders Ratesniffers tracks, computed daily from the same live feed as the table above.
Background facts checked 5 September 2026. Rates above refresh independently.
Bendigo Bank home loan products explained
The line-up as published by Bendigo Bank, checked 5 September 2026. Today's rate for each product is in the table above.
| Product | Who it is for | What to know |
|---|---|---|
| Flex Home Loan | Purchases and refinances, owner-occupied or investment, for borrowers who want offset accounts. | 100% offset on both variable and fixed portions with up to six offset accounts, online redraw of additional repayments, $15 monthly fee. Bendigo lends up to 95% of property value on this loan, with lenders mortgage insurance payable above 80%. |
| Easy Home Loan | Borrowers who want a low-cost loan and do not need an offset account. | No offset account and no monthly fee. Available for purchases and refinances, owner-occupied or investment, up to 80% of property value. |
| Express Home Loan | Refinancers of an owner-occupied property only. | Refinance only, owner-occupied only, maximum 80% of property value and a maximum loan size of $1.5 million, $10 monthly fee. Offset is full on variable and partial on fixed. |
Bendigo Bank home loan fees and policy
- Monthly fees as published on Bendigo's own home loan pages: $15 on the Flex Home Loan, $10 on the Express Home Loan and nil on the Easy Home Loan.
- Only the Flex Home Loan goes above 80% of property value, to a maximum of 95%, with lenders mortgage insurance payable. Easy and Express are both capped at 80%.
- The Express Home Loan carries two gates the other two do not: it refinances owner-occupied lending only, and the loan cannot exceed $1.5 million.
- Bendigo Bank is listed as a participating lender for the Australian Government 5% Deposit Scheme, subject to the scheme's eligibility rules and property price caps.
- Bendigo publishes its own loan repayment, borrowing power, stamp duty and home replacement cost calculators, plus a pre-qualify tool, a loan comparison tool and a key facts sheet generator.
Sources checked 5 September 2026: www.bendigobank.com.au, www.bendigobank.com.au, www.bendigobank.com.au, Bendigo Bank home loans, Bendigo Bank tools and calculators, Australian Government 5% Deposit Scheme participating lenders.
Bendigo Bank home loans: frequently asked questions
What are Bendigo Bank home loan rates?
Bendigo Bank home loan rates for an owner-occupier principal-and-interest loan at 80% LVR are 6.13% p.a. (6.15% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 10 September 2026. Compare all lenders at /home-loans. This is general information, not a recommendation to borrow.
What is a Bendigo Bank loan?
A Bendigo Bank loan is one of the Flex, Easy or Express products in the live table on this page. In the 80% LVR owner-occupier principal-and-interest slot the live table shows 6.13% p.a. (6.15% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 10 September 2026. Compare the comparison rate, not only the headline rate, at /home-loans. This is general information, not a recommendation to borrow.
What are Bendigo Bank loans?
Bendigo Bank home loan rates for an owner-occupier principal-and-interest loan at 80% LVR are 6.13% p.a. (6.15% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 10 September 2026. A Bendigo Bank loan on this page is one of the Flex, Easy or Express products in the live table. Compare all lenders at /home-loans.
What is the lowest Bendigo Bank home loan rate?
Bendigo Bank's lowest variable home loan rate is currently 5.89% p.a., and its lowest fixed rate is 6.39% p.a., based on the 8 Bendigo Bank products Ratesniffers ranks by comparison rate, last verified 10 Sept 2026. The advertised rate isn't always the rate Bendigo Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Bendigo Bank home loan?
At Bendigo Bank's lowest variable rate of 5.89% p.a., a $600,000 principal and interest loan over 30 years repays about $3,555 a month, and $500,000 about $2,962. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Bendigo Bank home loan?
There is no single salary. Like every Australian lender, Bendigo Bank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.89% p.a. is assessed at about 8.89% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Bendigo Bank's home loan rate compare to the market?
Bendigo Bank's lowest variable home loan rate today is 5.89% p.a., which is 35 basis points below the market median of 6.24% p.a., which puts Bendigo Bank among the more competitive lenders on variable rates today. 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 8 that pass our data-quality checks on this page. Every rate is 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 6.02% 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 last verified Bendigo Bank's home loan rates on 10 Sept 2026. Rates can change whenever Bendigo Bank reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.
Is Bendigo Bank having problems?
Bendigo Bank's pages do not report any problems. They describe Bendigo and Adelaide Bank Limited as an Australian owned, ASX top 100 listed company tracing its history to 1858, with 2.9 million customers across Bendigo Bank and Up, 7,000 employees, more than 700 points of presence, and a Community Bank model that has returned more than $416 million to communities.
Does Bendigo Bank lend to self-employed borrowers?
Yes. Bendigo Bank's online Express Home Loan lists being currently employed through PAYG or self-employment as an eligibility condition, alongside Australian citizenship or permanent residency and at least 20% equity. Income and expenses are verified by securely linking bank accounts so the bank can read transaction statements, or by manually uploading statements for a staff review.
Who owns Bendigo Bank, and is it part of a larger banking group?
Bendigo Bank is the retail brand of Bendigo and Adelaide Bank Limited, the licensed entity that holds AFSL and Australian Credit Licence 237879. It is an Australian owned, ASX listed company with more than 110,000 shareholders. The group formed when Adelaide Bank merged with Bendigo Bank, and it also runs the Up digital bank, Leveraged and the Community Bank network.
Does Bendigo Bank have a home loan calculator?
Yes. Bendigo publishes loan repayment, borrowing power, stamp duty and home replacement cost calculators on its own site, alongside a pre-qualify tool. Ratesniffers runs its own repayment calculator at /calculators/repayment and borrowing power calculator at /calculators/borrowing-power, and those work with any lender's rate, so you can model a Bendigo product and a rival on the same numbers.
What is the Bendigo Bank Flex Home Loan?
Flex is Bendigo's fullest-featured home loan, for purchases and refinances, owner-occupied or investment. It carries 100% offset on both variable and fixed portions, up to six offset accounts, online redraw and a $15 monthly fee. It is the only loan in Bendigo's range that goes above 80% of property value, to 95%, with lenders mortgage insurance payable.
What are Bendigo Bank's home loan rates in September 2026?
Bendigo's current home loan rates sit in the live table above, ranked by comparison rate. Ratesniffers does not freeze a number into this answer because Bendigo prices Flex, Easy and Express separately and reprices them independently. Compare the comparison rate rather than the headline rate, because it carries Bendigo's monthly fee into the cost.
Does Bendigo Bank offer investment home loans?
Yes. The Flex Home Loan and the Easy Home Loan are both available for investment as well as owner-occupied lending. The Express Home Loan is not, because it refinances owner-occupied property only. Investment pricing differs from owner-occupier pricing on the same product, so filter the table above to investor loans before comparing.
Can first home buyers use Bendigo Bank for the 5% Deposit Scheme?
Bendigo Bank is listed as a participating lender for the Australian Government 5% Deposit Scheme, so an eligible first home buyer can apply through Bendigo with a 5% deposit under the government guarantee. The scheme's eligibility rules and property price caps still apply, and Bendigo assesses the application on its normal lending criteria.
Is Bendigo Bank a good home loan lender?
Bendigo is an ASX-listed regional bank with one of the widest branch footprints outside the big four and a short, legible home loan range covering offset, no-frills and refinance-only. Whether it fits comes down to price and features against the market, so read the full write-up at /reviews/bendigo-bank and compare its comparison rate in the table above.