Home Loans

We’re rolling out the Welcome mat …

… so you can tell us all about your new home. Ask us how our flexible, affordable loans can help you own it sooner.

Apply Online, call 1300 BENDIGO (1300 236 344), visit any of our bank branches, or organise a Bendigo banker to come and see you.

Bendigo Home Loan Package & Package Plus The Bendigo Home Loan Packages reward any customer with total residential lending of $50,000 or more with discounts off their Variable loan rate, and allow them to enjoy additional benefits on other select products without incurring an annual package fee.

Residential Variable Home Loan Whether a customer is buying or building their first home, upgrading to another home, or purchasing a block of land, we offer a competitive variable interest rate loan with a variety of added features, including our optional 100 per cent offset account to help customers minimise the amount of interest they are charged on their loan.

Interest Only Term Loan An ideal way for customers to purchase an investment property or land, with the required repayments kept at a minimum, allowing for greater cash flow.

Bendigo Home Equity Loan The all in one home loan that works for you. The Bendigo Home Equity Loan is a flexible line of credit loan with full transactional functionality, meaning you can draw on the available funds (up to the approved credit limit) with repayments only required to keep the account balance below the credit limit.

Fixed Rate Residential Home Loan Enjoy peace of mind knowing that your repayments won’t change for a set period of time. Purchase your new home, a block of land, a holiday home or even make home renovations with fixed repayments. With terms from one to five years, fixed repayments are an ideal choice for the budget conscious and those wanting the confidence of knowing that they are protected against any rate rises.

Bendigo Historic Homes Loan (QLD and NSW only) Own a historic/heritage property you’re looking to renovate or looking to purchase one? This product is for you, we offer a discount on the standard variable rate specifically for purchasers and renovators of recognised historic homes/heritage properties.

Generation Green™ Home Loan Looking to build or buy an energy efficient ‘green’ home? Ask about a Generation Green™ Home Loan. With special interest rates and no annual fees, building or buying a ‘green’ home has never been easier.

Homesafe Debt Free Equity Release Homesafe Debt Free Equity Release allows you to tap into the value of your home without having to sell or move out. It's an innovative way to release a cash lump sum from your single biggest asset to improve your quality of life in retirement. This is a product of Homesafe Solutions Pty Ltd (ACN 106 784 918), a company equally owned by Athy Pty Ltd (ACN 005 852 246) and Bendigo and Adelaide Bank Limited.