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Bendigo Bank home loans

Bendigo Bank has home loan rates starting from 5.99%.

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Bendigo Bank is a bank that offers a range of home loans for Australian borrowers. Check out the full table of Bendigo Bank products below or read more about the lender.

Compare Bendigo Bank home loans for May 2024

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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest10% min. depositOwner-occupierOffset account
Interest Rate
Comparison Rate
Application: $0
Ongoing: $10 per month
Monthly Payment
Go to siteMore Info
Finder AwardPrincipal & Interest10% min. depositInvestmentOffset account
Interest Rate
Comparison Rate
Application: $0
Ongoing: $10 per month
Monthly Payment
More Info
Principal & Interest 2Y Fixed10% min. depositOwner-occupierOffset account
Interest Rate
Comparison Rate
Application: $0
Ongoing: $10 per month
Monthly Payment
More Info
Principal & Interest 1Y Fixed10% min. depositOwner-occupierOffset account
Interest Rate
Comparison Rate
Application: $0
Ongoing: $10 per month
Monthly Payment
More Info
Principal & Interest 1Y Fixed10% min. depositInvestmentOffset account
Interest Rate
Comparison Rate
Application: $0
Ongoing: $10 per month
Monthly Payment
More Info
Showing 5 of 12 results

Bendigo Bank key facts

  • Bendigo Bank is a bank based in Victoria and Adelaide in South Australia.
  • Bendigo Bank offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as transaction and savings accounts, credit cards, insurance packages, term deposits and a number of business banking solutions.

Review by our senior home loans writer Richard Whitten

Congratulations, Bendigo Bank!

Bendigo Bank received the following awards in the 2024 Product Awards:

  • 'Investor Home Loan - P&I Variable' - Winner
  • 'First Home Buyer Home Loan' - Highly Commended
  • 'Owner Occupier Home Loan - Variable' - Highly Commended
  • 'Investor Home Loan - IO - Variable' - Highly commended
  • 'Owner Occupier Home Loan - Refinance Variable' Highly Commended
Full list of 2024 winners

Bendigo Bank home loan features

Here are the key features and details you need to know about Bendigo Bank's mortgage products.

Minimum depositIt is possible to get a home loan from Bendigo Bank with a deposit as low as 5%.
Offset account?You can get an offset account with several Bendigo Bank loans.
Repayment optionsSeveral Bendigo Bank home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Bendigo Bank?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Bendigo Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

  • Bendigo Bank Express Home Loan

    Aimed specifically at new borrowers buying established property, Bendigo Bank’s Express Home Loan is a simple, online loan with a lower rate.

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6 Responses

    Default Gravatar
    PaulaAugust 9, 2021

    Would like to discuss with someone about the Family Home Guarantee as I have a son under 21 yo, Uni student who earns less than $6403. I believe I am eligible, please contact . email is preferred or can be contacted 12:30 pm WST
    PS Made some contact with a lady called Justine last week but lost her details.

      SarahAugust 13, 2021Finder

      Hi Paula,

      It sounds like you might eligible, although it depends on whether your son is classed as a dependent or not. Generally, the criteria to be eligible for Family Home Guarantee are:

      • You must be an Australian citizen at least 18 years of age, and a single parent with at least one dependant. Permanent residents are not eligible.

      • You must meet the income eligibility requirements – your taxable income cannot exceed $125,000 for the previous financial year (child support payments are not included as income for the purposes of the income cap).

      • As the single parent, your name must be the only name listed on the loan and the title.

      • You must be able to provide a deposit of at least 2% of the value of the property.

      • You must intend to be the owner-occupier of the purchased property.

      • You can either be a first home buyer or have owned a home in the past. You can not currently be living in a home you own.

      • There are property price thresholds that will apply in capital cities, large regional centres and regional areas. Use NHFIC’s property price threshold tool to work out the maximum property purchase price in the area you’re interested in under the Scheme.

      • The property you wish to purchase must meet the property eligibility requirements under the Scheme.

      To see if you qualify for the FHG, visit:

      To see if you qualify for a loan with Bendigo Bank for a home loan with this scheme, contact them directly on 1300 236 344.


    Default Gravatar
    MarkMarch 26, 2018

    How do you use the website to compare 4 banks. It doesn’t seems to be working. I want to compare 4 different banks’ investor loans but when I click on ‘Compare’ the bank I am looking at on the screen comes up but there is no mechanism for me to add another 3 banks to compare to – just blank boxes and an orange ‘Compare’ button.

      MayMarch 27, 2018Finder

      Hi Mark,

      Thanks for getting in touch.

      There are investment home loans from different banks you can compare. On the page is a comparison table you can use to see which lender suits you. You can click the name of the lender or the “More info” link to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      If in case you’d need help with your lending options, you can also speak to a mortgage broker who can consider your circumstance.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Hope this helps.


    Default Gravatar
    JenniferMarch 30, 2015

    what would the interest rate be for a Home Equity Loan of $20,000. Value of the house is at least $1m no mortgages. Repayments interest only.

      ShirleyMarch 31, 2015Finder

      Hi Jennifer,

      Thanks for your question.

      The interest rate for the Bendigo Home Equity loan <$50,000 is currently 5.86% p.a. If you would like to discuss your eligibility or options, please get in touch with Bendigo Bank directly by clicking on 'More info'. Cheers, Shirley

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