Suncorp Bank vs Bendigo Bank home loans September 2026
Ratesniffers checked this pair on 27 August 2026, and Suncorp Bank and Bendigo Bank cannot be given a two-sided rate winner: Neither lender has no exact owner-occupier principal-and-interest row at 80% LVR in that snapshot. This page therefore publishes no rate, no spread and no winner, and compares fees, features and policy only.
Rates checked 27 August 2026 · checked daily against each lender's current published pricing · machine-readable at /rates.json
Suncorp Bank vs Bendigo Bank at a glance
| Feature | Suncorp Bank | Bendigo Bank |
|---|---|---|
| Compared product | Unavailable | Unavailable |
| Variable rate and comparison rate | Unavailable | Unavailable |
| 3-year fixed rate and comparison rate | Unavailable | Unavailable |
| Scope of the compared rate | Unavailable | Unavailable |
| Published LVR scope | First home buyers can apply from a 5% deposit excluding costs, with insurance above 80% | Only the Flex Home Loan goes above 80% of property value, to 95% with insurance |
| Offset | Home Package Plus waives the $75 mortgage offset fee | Available on at least one tracked product |
| Redraw | Available on at least one tracked product | Available on at least one tracked product |
| Package fee | $375 a year for Home Package Plus, currently waived on eligible new packages | No package fee, with $15 a month on Flex and nil on Easy |
| First home buyer scheme | Not stated by the lender, so no claim is made | Listed as a participating lender, 5% Deposit Scheme |
| Products tracked | 80 | 80 |
| Approved cashback register | Unavailable | Unavailable |
Promoted rate comparisons require exact owner-occupier principal-and-interest rows at 80% LVR from the snapshot dated 27 August 2026, on both sides. “Unavailable” means a two-sided comparison cannot be substantiated, not that a lender has no product or no such feature.
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.
Is Suncorp Bank or Bendigo Bank cheaper?
No cheaper-of-the-two answer is published for Suncorp Bank and Bendigo Bank. Neither lender has no exact owner-occupier principal-and-interest row at 80% LVR in the snapshot dated 27 August 2026, so a matched comparison cannot be made without guessing a number. The fee, feature and policy comparisons below are unaffected and stay verified.
Suncorp Bank versus Bendigo Bank on fees
Fees as at 2 September 2026. Suncorp Bank lists $375 a year for Home Package Plus, currently waived on eligible new packages. Bendigo Bank lists no package fee, with $15 a month on Flex and nil on Easy. The comparison rate folds ongoing fees into the figure, so a sharper headline rate paired with a higher annual fee can finish behind a plainer loan.
Suncorp Bank versus Bendigo Bank for refinancing
Refinancing as at 2 September 2026. Suncorp Bank: Back to Basics has no monthly or annual fee and a $0 establishment fee from $150,000. Bendigo Bank: the Express Home Loan refinances owner-occupied lending only and caps the loan at $1.5 million. A refinance turns on the comparison rate, the exit and establishment costs on both sides and the LVR the new valuation lands you at.
Suncorp Bank versus Bendigo Bank for first home buyers
First home buyers, as at 2 September 2026. On the Australian Government 5% Deposit Scheme participating lender list, Suncorp Bank does not state its position and Bendigo Bank is listed. Eligibility rules and property price caps apply either way, and a lender that is not listed can still lend at a low deposit with lenders mortgage insurance payable.
Which suits an investor?
No verified investor record is published for Suncorp Bank or Bendigo Bank yet, so no investor comparison is drawn here. Each lender's investor pricing sits on its own lender page, linked below. Investor pricing, interest-only terms and LVR ceilings sit apart from the owner-occupier row this page compares.
Who should choose Suncorp Bank
Suncorp Bank tends to suit Queensland borrowers who want a familiar local brand with competitive pricing, now backed by big-four scale through ANZ. The comparison table above is the price check, and this section is the fit check. Features, service model and eligibility all move the outcome on a real file. Compare the two on the way you actually use a loan, not only on the advertised figure.
Who should choose Bendigo Bank
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. The comparison table above is the price check, and this section is the fit check.
Head-to-heads that share a lender with this one: ING vs Suncorp Bank, Bank of Queensland vs Bendigo Bank. Full product detail sits on the Suncorp Bank and Bendigo Bank lender pages, with the candid write-ups on the Suncorp Bank review and the Bendigo Bank review.
Not sure which one fits your scenario?
Advertised rates aren’t always the rate a lender approves. Get the sharper of the two negotiated against your specific numbers, at no cost.