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act. Home Loans Comparison

Rates and fees last updated on

Get a home loan with a social conscience

act. offers a unique approach that allows customers to support a range of worthy causes while conducting their everyday banking. Launched in November 2014, act. offers a range of financial products that are backed by Bendigo Bank.

Who is act. and what does act. do?

Each time they perform banking tasks, act. customers earn a share of the bank's profit which you can then use to support worthwhile causes through their crowdfunding platform

With products issued and backed by Bendigo Bank, act. offers credit cards, a transaction account, a savings account, secured and unsecured personal loans and a range of mortgage solutions. Its range of home loans includes a variable rate loan, a fixed rate loan and an interest-only option. Each of these loans offers a wide selection of flexible features to help you pay off your mortgage as soon as possible.

Compare act. home loans

Rates last updated July 27th, 2017.

act. Residential Variable Home Loan - $500k+

Interest rate decreased by 0.10%

September 8th, 2016

View latest updates

Jodie Humphries Jodie
Loan purpose
Offset account
Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
act. Variable Investor Home Loan
An investment loan with a competitive rate and interest only options for up to 10 years.
4.30% 4.45% $150 $10 monthly ($120 p.a.) 80% More info
act. Residential Variable Home Loan - < $50,000
Borrow funds for a residential property and enjoy a full featured home loan.
5.48% 5.65% $150 $10 monthly ($120 p.a.) 95% More info
act. Residential Variable Home Loan - $50k to $249,999
Enjoy a home loan with unlimited extra repayments, redraw facility and 100% offset account.
4.88% 5.06% $150 $10 monthly ($120 p.a.) 95% More info
act. Residential Variable Home Loan - $250k to $499,999
Enjoy a 100% offset account and other features with this loan.
4.68% 4.86% $150 $10 monthly ($120 p.a.) 95% More info
act. Residential Variable Home Loan - $500k+
A full featured home loan with 100% offset account and unlimited extra repayments.
4.58% 4.76% $150 $10 monthly ($120 p.a.) 95% More info
4.88% 5.06% $150 $10 monthly ($120 p.a.) 90% More info
4.68% 4.86% $150 $10 monthly ($120 p.a.) 90% More info
4.58% 4.76% $150 $10 monthly ($120 p.a.) 90% More info
4.54% 5.02% $150 $10 monthly ($120 p.a.) 95% More info
4.24% 4.94% $150 $10 monthly ($120 p.a.) 95% More info
4.34% 4.91% $150 $10 monthly ($120 p.a.) 95% More info
4.74% 5.01% $150 $10 monthly ($120 p.a.) 95% More info
4.74% 5.00% $150 $10 monthly ($120 p.a.) 95% More info
act. Interest Only Term Loan  - Interest Only Loan (under $50k)
A competitive rate with 100% offset account and redraw facility with interest only repayments.
5.48% 5.65% $150 $10 monthly ($120 p.a.) 90% More info

Home loans offered by act.

Variable Home Loan

This loan features a competitive variable interest rate, with lower rates available if you borrow larger amounts. Available for a term of up to 30 years, this loan allows you to choose between weekly, fortnightly and monthly repayments. 

Unlimited additional repayments are allowed without incurring a fee, while you can access those additional repayments through an online redraw facility. A maximum loan-to-value ratio (LVR) of 95% applies, although you’ll need lenders’ mortgage insurance (LMI) if you borrow more than 80% LVR. Other features include a linked offset account, a transaction fee rebate on eligible transaction accounts, as well as home and contents insurance discounts.

Fixed Home Loan

This act. home loan allows you to lock in your interest rate for a period of one, two, three, four or five years. The security of a fixed rate is combined with your choice of weekly, fortnightly or monthly repayments, while you’re also able to pay up to an extra 20% of the loan balance above the minimum repayment amount across the term of the loan. Other features include free online redraw, a partial offset account, a transaction fee rebate on eligible accounts and the ability to borrow up to 95% LVR. 

Interest Only Home Loan

Designed for those who want to purchase an investment property or land, this loan allows you to make interest-only repayments for periods of up to 10 years. This means you can minimise your repayments and you can also save further on interest with a linked offset account. A maximum LVR of 90% applies to the act. Interest Only Home Loan.

Pros and cons of act. home loans


  • Responsible banking. Borrowing with act. allows you to earn ‘Impact Dollars’ every month which can be used to support a range of worthy social projects.
  • Flexible repayments. From interest-only repayments, the ability to make additional repayments without penalty and the flexibility to select a payment plan that suits you, act. loans can be tailored to suit your budget.
  • Offset account. Each act. home loan comes with a linked offset account to help you save money on interest repayments.


  • Fees. Application fees, settlement fees and discharge fees apply.
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How to apply for act. home loans

If an act. home loans sounds right for you, click one of the secure links on this page to apply for the product of your choice or find out more information.

You can apply for act. home loans online or over the phone if:

  • You’re over 18 years of age and an Australian citizen or permanent resident
  • You are in paid employment
  • There are no more than two applicants on your application
  • You are listed on the loan as a borrower
  • You have a clear credit history
  • You are not applying for business purposes

act. will be in  touch as soon as possible after receiving your application to discuss the next steps.

Documents needed to apply for a home loan

You’ll also need to provide some personal, property and financial information in order to be approved for a home loan from act. 

Personal information

act. will need you to supply:

  • Your name
  • Your address
  • Your contact details
  • Your Medicare details
  • Your driver’s licence details

Financial information

act. will require details about your financial circumstances in order to determine your ability to repay the money you borrow. Including:

  • Income. This may include recent payslips, tax assessment notices or letters from your employer.
  • Assets. You’ll need to provide a full picture of your financial situation, including assets such as shares.
  • Liabilities. Any outstanding debts in your name will also need to be disclosed.

Property information

act. will also require details and documents concerning the property you are buying. These include:

  • The contract of sale. This contains a range of details concerning the sale of the property, including the price paid.
  • The certificate of title and transfer of land. These documents are used to verify that the person selling the property actually has the right to sell it and confirm the transfer of ownership to you.
act. offers a range of competitive products to Australian borrowers, so make sure to compare its loans with others on the market to help find the right loan for your needs.

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This page was last modified on 8 March 2016 at 10:47am.

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