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Bendigo Bank home loan rates

9 home loan products and 213 published rates, checked 2 Nov, 12:05 am AEDT. Bendigo Bank last updated its data 7 Oct 2026.

Lowest Bendigo Bank rates

Loan type	Rate	Comparison*
Variable, owner-occupier, P&I Bendigo Express Home Loan (any LVR)	6.14%	6.27%
Variable, owner-occupier, interest only Single Parents (Bendigo Complete Home Loan) (any LVR)	6.43%	6.65%
Variable, investor, P&I Bendigo Easy Home Loan (LVR up to 60%)	6.39%	6.41%
Variable, investor, interest only Bendigo Easy Home Loan (LVR up to 60%)	6.54%	6.47%
1 year fixed, owner-occupier, P&I Bendigo Express Home Loan (any LVR)	6.49%	6.30%
2 year fixed, owner-occupier, P&I Bendigo Express Home Loan (any LVR)	6.49%	6.34%
3 year fixed, owner-occupier, P&I Bendigo Express Home Loan (any LVR)	6.59%	6.40%
4 year fixed, owner-occupier, P&I Bendigo Express Home Loan (any LVR)	6.69%	6.47%
5 year fixed, owner-occupier, P&I Bendigo Express Home Loan (any LVR)	6.69%	6.51%

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Rate changes

No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.

All Bendigo Bank home loans

Bendigo Bridging Home Loan · 2 rates · from 10.54%Specialist loan

Rate type	For	LVR	Rate	Comparison*
Variable	Investor, interest only	any LVR	10.54%	10.68%
Variable	Owner-occupier, interest only	any LVR	10.54%	10.68%

Bendigo Bridging Home Loan on Bendigo Bank’s site ↗

Bendigo Complete Home Loan · 32 rates · from 6.39%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, interest only	any LVR	6.84%	7.07%
1 year fixed	Investor, principal & interest	any LVR	6.74%	7.04%
1 year fixed	Owner-occupier, interest only	any LVR	7.09%	7.07%
1 year fixed	Owner-occupier, principal & interest	any LVR	6.59%	6.67%
2 year fixed	Investor, interest only	any LVR	6.84%	7.06%
2 year fixed	Investor, principal & interest	any LVR	6.74%	7.03%
2 year fixed	Owner-occupier, interest only	any LVR	7.09%	7.03%
2 year fixed	Owner-occupier, principal & interest	any LVR	6.59%	6.68%
3 year fixed	Investor, interest only	any LVR	6.94%	7.08%
3 year fixed	Investor, principal & interest	any LVR	6.84%	7.05%
3 year fixed	Owner-occupier, interest only	any LVR	7.19%	7.02%
3 year fixed	Owner-occupier, principal & interest	any LVR	6.69%	6.73%
4 year fixed	Investor, interest only	any LVR	7.04%	7.12%
4 year fixed	Investor, principal & interest	any LVR	6.94%	7.09%
4 year fixed	Owner-occupier, interest only	any LVR	7.29%	7.03%
4 year fixed	Owner-occupier, principal & interest	any LVR	6.79%	6.79%
5 year fixed	Investor, interest only	any LVR	7.04%	7.13%
5 year fixed	Investor, principal & interest	any LVR	6.94%	7.10%
5 year fixed	Owner-occupier, interest only	any LVR	7.29%	7.01%
5 year fixed	Owner-occupier, principal & interest	any LVR	6.79%	6.81%
Variable	Investor, interest only	LVR up to 60%	6.89%	7.01%
Variable	Investor, interest only	LVR 60–80%	6.94%	7.08%
Variable	Investor, principal & interest	LVR up to 60%	6.74%	6.96%
Variable	Investor, principal & interest	LVR 60–80%	6.83%	7.05%
Variable	Investor, principal & interest	LVR 80–90%	6.93%	7.15%
Variable	Owner-occupier, interest only	LVR up to 60%	7.53%	7.10%
Variable	Owner-occupier, interest only	LVR 60–80%	7.53%	7.12%
Variable	Owner-occupier, interest only	LVR 80–90%	8.03%	7.38%
Variable	Owner-occupier, principal & interest	LVR up to 60%	6.39%	6.61%
Variable	Owner-occupier, principal & interest	LVR 60–80%	6.43%	6.65%
Variable	Owner-occupier, principal & interest	LVR 80–90%	6.49%	6.71%
Variable	Owner-occupier, principal & interest	LVR 90–95%	7.13%	7.35%

Bendigo Complete Home Loan on Bendigo Bank’s site ↗

Bendigo Easy Home Loan · 29 rates · from 6.34%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, interest only	LVR up to 80%	6.74%	6.53%
1 year fixed	Investor, principal & interest	LVR up to 80%	6.64%	6.52%
1 year fixed	Owner-occupier, interest only	LVR up to 80%	6.99%	6.46%
1 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.49%	6.41%
2 year fixed	Investor, interest only	LVR up to 80%	6.74%	6.55%
2 year fixed	Investor, principal & interest	LVR up to 80%	6.64%	6.53%
2 year fixed	Owner-occupier, interest only	LVR up to 80%	6.99%	6.52%
2 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.49%	6.42%
3 year fixed	Investor, interest only	LVR up to 80%	6.84%	6.60%
3 year fixed	Investor, principal & interest	LVR up to 80%	6.74%	6.57%
3 year fixed	Owner-occupier, interest only	LVR up to 80%	7.09%	6.60%
3 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.59%	6.46%
4 year fixed	Investor, interest only	LVR up to 80%	6.94%	6.66%
4 year fixed	Investor, principal & interest	LVR up to 80%	6.84%	6.63%
4 year fixed	Owner-occupier, interest only	LVR up to 80%	7.19%	6.69%
4 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.69%	6.51%
5 year fixed	Investor, interest only	LVR up to 80%	6.94%	6.70%
5 year fixed	Investor, principal & interest	LVR up to 80%	6.84%	6.66%
5 year fixed	Owner-occupier, interest only	LVR up to 80%	7.19%	6.75%
5 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.69%	6.54%
Variable	Investor, interest only	LVR up to 60%	6.54%	6.47%
Variable	Investor, interest only	LVR 60–70%	6.59%	6.52%
Variable	Investor, interest only	LVR 70–80%	6.59%	6.55%
Variable	Investor, principal & interest	LVR up to 60%	6.39%	6.41%
Variable	Investor, principal & interest	LVR 60–70%	6.44%	6.46%
Variable	Investor, principal & interest	LVR 70–80%	6.48%	6.50%
Variable	Owner-occupier, interest only	LVR up to 80%	7.48%	6.88%
Variable	Owner-occupier, principal & interest	LVR up to 60%	6.34%	6.36%
Variable	Owner-occupier, principal & interest	LVR 60–80%	6.38%	6.40%

Bendigo Express Home Loan · 6 rates · from 6.14%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Owner-occupier, principal & interest	any LVR	6.49%	6.30%
2 year fixed	Owner-occupier, principal & interest	any LVR	6.49%	6.34%
3 year fixed	Owner-occupier, principal & interest	any LVR	6.59%	6.40%
4 year fixed	Owner-occupier, principal & interest	any LVR	6.69%	6.47%
5 year fixed	Owner-occupier, principal & interest	any LVR	6.69%	6.51%
Variable	Owner-occupier, principal & interest	any LVR	6.14%	6.27%

Bendigo Express Home Loan on Bendigo Bank’s site ↗

Bendigo Flex Home Loan · 59 rates · from 6.39%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, interest only	LVR up to 80%	6.84%	6.74%
1 year fixed	Investor, interest only	LVR 80–90%	7.14%	6.86%
1 year fixed	Investor, principal & interest	LVR up to 80%	6.74%	6.73%
1 year fixed	Investor, principal & interest	LVR 80–90%	7.04%	6.85%
1 year fixed	Owner-occupier, interest only	LVR up to 80%	7.09%	6.67%
1 year fixed	Owner-occupier, interest only	LVR 80–90%	7.39%	6.76%
1 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.59%	6.63%
1 year fixed	Owner-occupier, principal & interest	LVR 80–90%	6.89%	6.71%
1 year fixed	Owner-occupier, principal & interest	LVR 90–95%	7.09%	7.30%
2 year fixed	Investor, interest only	LVR up to 80%	6.84%	6.76%
2 year fixed	Investor, interest only	LVR 80–90%	7.14%	6.90%
2 year fixed	Investor, principal & interest	LVR up to 80%	6.74%	6.75%
2 year fixed	Investor, principal & interest	LVR 80–90%	7.04%	6.89%
2 year fixed	Owner-occupier, interest only	LVR up to 80%	7.09%	6.73%
2 year fixed	Owner-occupier, interest only	LVR 80–90%	7.39%	6.84%
2 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.59%	6.64%
2 year fixed	Owner-occupier, principal & interest	LVR 80–90%	6.89%	6.75%
2 year fixed	Owner-occupier, principal & interest	LVR 90–95%	7.09%	7.30%
3 year fixed	Investor, interest only	LVR up to 80%	6.94%	6.82%
3 year fixed	Investor, interest only	LVR 80–90%	7.24%	6.98%
3 year fixed	Investor, principal & interest	LVR up to 80%	6.84%	6.80%
3 year fixed	Investor, principal & interest	LVR 80–90%	7.14%	6.96%
3 year fixed	Owner-occupier, interest only	LVR up to 80%	7.19%	6.82%
3 year fixed	Owner-occupier, interest only	LVR 80–90%	7.49%	6.95%
3 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.69%	6.68%
3 year fixed	Owner-occupier, principal & interest	LVR 80–90%	6.99%	6.81%
3 year fixed	Owner-occupier, principal & interest	LVR 90–95%	7.19%	7.32%
4 year fixed	Investor, interest only	LVR up to 80%	7.04%	6.88%
4 year fixed	Investor, interest only	LVR 80–90%	7.34%	7.06%
4 year fixed	Investor, principal & interest	LVR up to 80%	6.94%	6.86%
4 year fixed	Investor, principal & interest	LVR 80–90%	7.24%	7.04%
4 year fixed	Owner-occupier, interest only	LVR up to 80%	7.29%	6.91%
4 year fixed	Owner-occupier, interest only	LVR 80–90%	7.59%	7.06%
4 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.79%	6.74%
4 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.09%	6.89%
4 year fixed	Owner-occupier, principal & interest	LVR 90–95%	7.29%	7.37%
5 year fixed	Investor, interest only	LVR up to 80%	7.04%	6.92%
5 year fixed	Investor, interest only	LVR 80–90%	7.34%	7.11%
5 year fixed	Investor, principal & interest	LVR up to 80%	6.94%	6.89%
5 year fixed	Investor, principal & interest	LVR 80–90%	7.24%	7.08%
5 year fixed	Owner-occupier, interest only	LVR up to 80%	7.29%	6.97%
5 year fixed	Owner-occupier, interest only	LVR 80–90%	7.59%	7.14%
5 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.79%	6.77%
5 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.09%	6.94%
5 year fixed	Owner-occupier, principal & interest	LVR 90–95%	7.29%	7.38%
Variable	Investor, interest only	LVR up to 60%	6.59%	6.67%
Variable	Investor, interest only	LVR 60–70%	6.64%	6.72%
Variable	Investor, interest only	LVR 70–80%	6.64%	6.74%
Variable	Investor, interest only	LVR 80–90%	6.83%	6.88%
Variable	Investor, principal & interest	LVR up to 60%	6.44%	6.62%
Variable	Investor, principal & interest	LVR 60–70%	6.49%	6.67%
Variable	Investor, principal & interest	LVR 70–80%	6.53%	6.71%
Variable	Investor, principal & interest	LVR 80–90%	6.63%	6.81%
Variable	Owner-occupier, interest only	LVR up to 80%	7.53%	7.08%
Variable	Owner-occupier, interest only	LVR 80–90%	8.03%	7.34%
Variable	Owner-occupier, principal & interest	LVR up to 60%	6.39%	6.57%
Variable	Owner-occupier, principal & interest	LVR 60–80%	6.43%	6.61%
Variable	Owner-occupier, principal & interest	LVR 80–90%	6.49%	6.67%
Variable	Owner-occupier, principal & interest	LVR 90–95%	7.13%	7.30%

Bendigo Flex Home Loan (Retail) · 59 rates · from 6.39%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, interest only	LVR up to 80%	6.84%	6.76%
1 year fixed	Investor, interest only	LVR 80–90%	7.14%	6.88%
1 year fixed	Investor, principal & interest	LVR up to 80%	6.74%	6.75%
1 year fixed	Investor, principal & interest	LVR 80–90%	7.04%	6.87%
1 year fixed	Owner-occupier, interest only	LVR up to 80%	7.09%	6.70%
1 year fixed	Owner-occupier, interest only	LVR 80–90%	7.39%	6.78%
1 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.59%	6.65%
1 year fixed	Owner-occupier, principal & interest	LVR 80–90%	6.89%	6.73%
1 year fixed	Owner-occupier, principal & interest	LVR 90–95%	7.09%	7.32%
2 year fixed	Investor, interest only	LVR up to 80%	6.84%	6.79%
2 year fixed	Investor, interest only	LVR 80–90%	7.14%	6.93%
2 year fixed	Investor, principal & interest	LVR up to 80%	6.74%	6.77%
2 year fixed	Investor, principal & interest	LVR 80–90%	7.04%	6.91%
2 year fixed	Owner-occupier, interest only	LVR up to 80%	7.09%	6.76%
2 year fixed	Owner-occupier, interest only	LVR 80–90%	7.39%	6.86%
2 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.59%	6.66%
2 year fixed	Owner-occupier, principal & interest	LVR 80–90%	6.89%	6.77%
2 year fixed	Owner-occupier, principal & interest	LVR 90–95%	7.09%	7.32%
3 year fixed	Investor, interest only	LVR up to 80%	6.94%	6.84%
3 year fixed	Investor, interest only	LVR 80–90%	7.24%	7.00%
3 year fixed	Investor, principal & interest	LVR up to 80%	6.84%	6.82%
3 year fixed	Investor, principal & interest	LVR 80–90%	7.14%	6.98%
3 year fixed	Owner-occupier, interest only	LVR up to 80%	7.19%	6.84%
3 year fixed	Owner-occupier, interest only	LVR 80–90%	7.49%	6.97%
3 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.69%	6.71%
3 year fixed	Owner-occupier, principal & interest	LVR 80–90%	6.99%	6.84%
3 year fixed	Owner-occupier, principal & interest	LVR 90–95%	7.19%	7.34%
4 year fixed	Investor, interest only	LVR up to 80%	7.04%	6.90%
4 year fixed	Investor, interest only	LVR 80–90%	7.34%	7.08%
4 year fixed	Investor, principal & interest	LVR up to 80%	6.94%	6.88%
4 year fixed	Investor, principal & interest	LVR 80–90%	7.24%	7.06%
4 year fixed	Owner-occupier, interest only	LVR up to 80%	7.29%	6.93%
4 year fixed	Owner-occupier, interest only	LVR 80–90%	7.59%	7.08%
4 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.79%	6.76%
4 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.09%	6.91%
4 year fixed	Owner-occupier, principal & interest	LVR 90–95%	7.29%	7.39%
5 year fixed	Investor, interest only	LVR up to 80%	7.04%	6.94%
5 year fixed	Investor, interest only	LVR 80–90%	7.34%	7.13%
5 year fixed	Investor, principal & interest	LVR up to 80%	6.94%	6.91%
5 year fixed	Investor, principal & interest	LVR 80–90%	7.24%	7.10%
5 year fixed	Owner-occupier, interest only	LVR up to 80%	7.29%	6.99%
5 year fixed	Owner-occupier, interest only	LVR 80–90%	7.59%	7.16%
5 year fixed	Owner-occupier, principal & interest	LVR up to 80%	6.79%	6.79%
5 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.09%	6.96%
5 year fixed	Owner-occupier, principal & interest	LVR 90–95%	7.29%	7.40%
Variable	Investor, interest only	LVR up to 60%	6.59%	6.69%
Variable	Investor, interest only	LVR 60–70%	6.64%	6.74%
Variable	Investor, interest only	LVR 70–80%	6.64%	6.76%
Variable	Investor, interest only	LVR 80–90%	6.83%	6.90%
Variable	Investor, principal & interest	LVR up to 60%	6.44%	6.64%
Variable	Investor, principal & interest	LVR 60–70%	6.49%	6.69%
Variable	Investor, principal & interest	LVR 70–80%	6.53%	6.73%
Variable	Investor, principal & interest	LVR 80–90%	6.63%	6.83%
Variable	Owner-occupier, interest only	LVR up to 80%	7.53%	7.10%
Variable	Owner-occupier, interest only	LVR 80–90%	8.03%	7.36%
Variable	Owner-occupier, principal & interest	LVR up to 60%	6.39%	6.59%
Variable	Owner-occupier, principal & interest	LVR 60–80%	6.43%	6.63%
Variable	Owner-occupier, principal & interest	LVR 80–90%	6.49%	6.69%
Variable	Owner-occupier, principal & interest	LVR 90–95%	7.13%	7.33%

First Home Buyers (Bendigo Complete Home Loan) · 7 rates · from 6.43%Only for: first home

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Owner-occupier, principal & interest	any LVR	6.59%	6.67%
2 year fixed	Owner-occupier, principal & interest	any LVR	6.59%	6.68%
3 year fixed	Owner-occupier, principal & interest	any LVR	6.69%	6.73%
4 year fixed	Owner-occupier, principal & interest	any LVR	6.79%	6.79%
5 year fixed	Owner-occupier, principal & interest	any LVR	6.79%	6.81%
Variable	Owner-occupier, interest only	any LVR	6.43%	6.65%
Variable	Owner-occupier, principal & interest	any LVR	6.43%	6.65%

First Home Buyers (Bendigo Complete Home Loan) on Bendigo Bank’s site ↗

Non-Individual Residential Investment Loan (NIRIL) · 12 rates · from 6.74%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, interest only	any LVR	6.84%	7.21%
1 year fixed	Investor, principal & interest	any LVR	6.74%	7.12%
2 year fixed	Investor, interest only	any LVR	6.84%	7.20%
2 year fixed	Investor, principal & interest	any LVR	6.74%	7.11%
3 year fixed	Investor, interest only	any LVR	6.94%	7.22%
3 year fixed	Investor, principal & interest	any LVR	6.84%	7.13%
4 year fixed	Investor, interest only	any LVR	7.04%	7.25%
4 year fixed	Investor, principal & interest	any LVR	6.94%	7.17%
5 year fixed	Investor, interest only	any LVR	7.04%	7.26%
5 year fixed	Investor, principal & interest	any LVR	6.94%	7.18%
Variable	Investor, interest only	any LVR	6.94%	7.16%
Variable	Investor, principal & interest	any LVR	6.83%	7.13%

Non-Individual Residential Investment Loan (NIRIL) on Bendigo Bank’s site ↗

Single Parents (Bendigo Complete Home Loan) · 7 rates · from 6.43%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Owner-occupier, principal & interest	any LVR	6.59%	6.67%
2 year fixed	Owner-occupier, principal & interest	any LVR	6.59%	6.68%
3 year fixed	Owner-occupier, principal & interest	any LVR	6.69%	6.73%
4 year fixed	Owner-occupier, principal & interest	any LVR	6.79%	6.79%
5 year fixed	Owner-occupier, principal & interest	any LVR	6.79%	6.81%
Variable	Owner-occupier, interest only	any LVR	6.43%	6.65%
Variable	Owner-occupier, principal & interest	any LVR	6.43%	6.65%

Single Parents (Bendigo Complete Home Loan) on Bendigo Bank’s site ↗

* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.