RateGapevery home loan rate lenders publish, compared

Bendigo Bank home loan rates

Bendigo Bank's lowest advertised variable rate for a home you live in and pay down is 6.34%, if you owe up to 60% of the home’s value. It was read Monday 2 November, and is 0.49 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.49%, fixed for one year.

Since the Reserve Bank’s increase on Tuesday 29 September, Bendigo Bank has raised its lowest advertised variable rate from 6.09% to 6.34%. The change was first seen Wednesday 7 October. After the Reserve Bank’s increase has every lender.

213 advertised rates across 9 products, published by Bendigo Bank under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

6.34% Bendigo Bank, lowest variable rate if you owe up to 60%

5.85% The going rate

0.49 percentage points above the going rate

The going rate is the lowest rate at least three lenders reach, so one lender's odd price cannot set it.

Both are advertised new-customer rates. A negotiated discount is in neither. Read your own rate against this.

Lowest variable rate, if you owe up to 60%: 6.34%
Lowest fixed rate: 6.49%, one year
Lowest comparison rate: 6.36%
Rates published: 213, across 9 products
Last rate move: Tuesday 6 October
Last read: Monday 2 November

For a home you live in and pay down. The other loan types are in the tables below.

Lenders set a different rate for each LVR band, shown as how much you owe. LVR is what you owe as a share of the home's value.

Owner-occupied, principal and interest

Variable

Bendigo Easy Home Loan · owe up to 60% · 6.34% (6.36% with fees)
Bendigo Easy Home Loan · owe 60.01–80% · 6.38% (6.40% with fees)
Bendigo Flex Home Loan (Retail) · owe up to 60% · 6.39% (6.59% with fees)
Bendigo Flex Home Loan · owe up to 60% · 6.39% (6.57% with fees)
Bendigo Complete Home Loan · owe up to 60% · 6.39% (6.61% with fees)
Single Parents (Bendigo Complete Home Loan) · 6.43% (6.65% with fees)
Bendigo Flex Home Loan (Retail) · owe 60.01–80% · 6.43% (6.63% with fees)
Bendigo Flex Home Loan · owe 60.01–80% · 6.43% (6.61% with fees)
Bendigo Complete Home Loan · owe 60.01–80% · 6.43% (6.65% with fees)
Bendigo Flex Home Loan (Retail) · owe 80.01–90% · 6.49% (6.69% with fees)
Bendigo Flex Home Loan · owe 80.01–90% · 6.49% (6.67% with fees)
Bendigo Complete Home Loan · owe 80.01–90% · 6.49% (6.71% with fees)
Bendigo Flex Home Loan (Retail) · owe 90.01–95% · 7.13% (7.33% with fees)
Bendigo Flex Home Loan · owe 90.01–95% · 7.13% (7.30% with fees)
Bendigo Complete Home Loan · owe 90.01–95% · 7.13% (7.35% with fees)

Fixed

Bendigo Easy Home Loan · one year · owe up to 80% · 6.49% (6.41% with fees)
Bendigo Easy Home Loan · two years · owe up to 80% · 6.49% (6.42% with fees)
Single Parents (Bendigo Complete Home Loan) · one year · 6.59% (6.67% with fees)
Bendigo Flex Home Loan (Retail) · one year · owe up to 80% · 6.59% (6.65% with fees)
Single Parents (Bendigo Complete Home Loan) · two years · 6.59% (6.68% with fees)
Bendigo Flex Home Loan (Retail) · two years · owe up to 80% · 6.59% (6.66% with fees)
Bendigo Complete Home Loan · one year · 6.59% (6.67% with fees)
Bendigo Easy Home Loan · three years · owe up to 80% · 6.59% (6.46% with fees)
Bendigo Complete Home Loan · two years · 6.59% (6.68% with fees)
Bendigo Flex Home Loan · one year · owe up to 80% · 6.59% (6.63% with fees)
Bendigo Flex Home Loan · two years · owe up to 80% · 6.59% (6.64% with fees)
Single Parents (Bendigo Complete Home Loan) · three years · 6.69% (6.73% with fees)
Bendigo Complete Home Loan · three years · 6.69% (6.73% with fees)
Bendigo Flex Home Loan (Retail) · three years · owe up to 80% · 6.69% (6.71% with fees)
Single Parents (Bendigo Complete Home Loan) · four years · 6.79% (6.79% with fees)
Bendigo Flex Home Loan (Retail) · one year · owe 80.01–90% · 6.89% (6.73% with fees)
Bendigo Flex Home Loan (Retail) · two years · owe 80.01–90% · 6.89% (6.77% with fees)
Bendigo Flex Home Loan · one year · owe 80.01–90% · 6.89% (6.71% with fees)
Bendigo Flex Home Loan · two years · owe 80.01–90% · 6.89% (6.75% with fees)
Bendigo Flex Home Loan (Retail) · three years · owe 80.01–90% · 6.99% (6.84% with fees)
Bendigo Flex Home Loan (Retail) · one year · owe 90.01–95% · 7.09% (7.32% with fees)
Bendigo Flex Home Loan (Retail) · two years · owe 90.01–95% · 7.09% (7.32% with fees)
Bendigo Flex Home Loan · one year · owe 90.01–95% · 7.09% (7.30% with fees)
Bendigo Flex Home Loan · two years · owe 90.01–95% · 7.09% (7.30% with fees)
Bendigo Flex Home Loan (Retail) · three years · owe 90.01–95% · 7.19% (7.34% with fees)

Showing 40 of 60 rates for this profile, lowest rate first. Every band Bendigo Bank prices in appears above. The 20 not shown are more rates inside those same bands — a different product, or a different fixed term. All of them are in the data.

Owner-occupied, interest only

39 rates

Variable

Single Parents (Bendigo Complete Home Loan) · 6.43% (6.65% with fees)
Bendigo Easy Home Loan · owe up to 80% · 7.48% (6.88% with fees)
Bendigo Flex Home Loan (Retail) · owe up to 80% · 7.53% (7.10% with fees)
Bendigo Flex Home Loan · owe up to 80% · 7.53% (7.08% with fees)
Bendigo Complete Home Loan · owe 60.01–80% · 7.53% (7.12% with fees)
Bendigo Complete Home Loan · owe up to 60% · 7.53% (7.10% with fees)
Bendigo Flex Home Loan (Retail) · owe 80.01–90% · 8.03% (7.36% with fees)
Bendigo Flex Home Loan · owe 80.01–90% · 8.03% (7.34% with fees)
Bendigo Complete Home Loan · owe 80.01–90% · 8.03% (7.38% with fees)

Fixed

Bendigo Easy Home Loan · one year · owe up to 80% · 6.99% (6.46% with fees)
Bendigo Easy Home Loan · two years · owe up to 80% · 6.99% (6.52% with fees)
Bendigo Flex Home Loan (Retail) · one year · owe up to 80% · 7.09% (6.70% with fees)
Bendigo Flex Home Loan (Retail) · two years · owe up to 80% · 7.09% (6.76% with fees)
Bendigo Easy Home Loan · three years · owe up to 80% · 7.09% (6.60% with fees)
Bendigo Flex Home Loan · one year · owe up to 80% · 7.09% (6.67% with fees)
Bendigo Flex Home Loan · two years · owe up to 80% · 7.09% (6.73% with fees)
Bendigo Complete Home Loan · one year · 7.09% (7.07% with fees)
Bendigo Complete Home Loan · two years · 7.09% (7.03% with fees)
Bendigo Flex Home Loan (Retail) · three years · owe up to 80% · 7.19% (6.84% with fees)
Bendigo Easy Home Loan · four years · owe up to 80% · 7.19% (6.69% with fees)
Bendigo Easy Home Loan · five years · owe up to 80% · 7.19% (6.75% with fees)
Bendigo Flex Home Loan · three years · owe up to 80% · 7.19% (6.82% with fees)
Bendigo Complete Home Loan · three years · 7.19% (7.02% with fees)
Bendigo Flex Home Loan (Retail) · four years · owe up to 80% · 7.29% (6.93% with fees)
Bendigo Flex Home Loan (Retail) · five years · owe up to 80% · 7.29% (6.99% with fees)
Bendigo Flex Home Loan · four years · owe up to 80% · 7.29% (6.91% with fees)
Bendigo Flex Home Loan · five years · owe up to 80% · 7.29% (6.97% with fees)
Bendigo Complete Home Loan · four years · 7.29% (7.03% with fees)
Bendigo Complete Home Loan · five years · 7.29% (7.01% with fees)
Bendigo Flex Home Loan (Retail) · one year · owe 80.01–90% · 7.39% (6.78% with fees)
Bendigo Flex Home Loan (Retail) · two years · owe 80.01–90% · 7.39% (6.86% with fees)
Bendigo Flex Home Loan · one year · owe 80.01–90% · 7.39% (6.76% with fees)
Bendigo Flex Home Loan · two years · owe 80.01–90% · 7.39% (6.84% with fees)
Bendigo Flex Home Loan (Retail) · three years · owe 80.01–90% · 7.49% (6.97% with fees)
Bendigo Flex Home Loan · three years · owe 80.01–90% · 7.49% (6.95% with fees)
Bendigo Flex Home Loan (Retail) · four years · owe 80.01–90% · 7.59% (7.08% with fees)
Bendigo Flex Home Loan (Retail) · five years · owe 80.01–90% · 7.59% (7.16% with fees)
Bendigo Flex Home Loan · four years · owe 80.01–90% · 7.59% (7.06% with fees)
Bendigo Flex Home Loan · five years · owe 80.01–90% · 7.59% (7.14% with fees)

Investment, principal and interest

50 rates

Variable

Bendigo Easy Home Loan · owe up to 60% · 6.39% (6.41% with fees)
Bendigo Easy Home Loan · owe 60.01–70% · 6.44% (6.46% with fees)
Bendigo Flex Home Loan (Retail) · owe up to 60% · 6.44% (6.64% with fees)
Bendigo Flex Home Loan · owe up to 60% · 6.44% (6.62% with fees)
Bendigo Easy Home Loan · owe 70.01–80% · 6.48% (6.50% with fees)
Bendigo Flex Home Loan (Retail) · owe 60.01–70% · 6.49% (6.69% with fees)
Bendigo Flex Home Loan · owe 60.01–70% · 6.49% (6.67% with fees)
Bendigo Flex Home Loan (Retail) · owe 70.01–80% · 6.53% (6.73% with fees)
Bendigo Flex Home Loan · owe 70.01–80% · 6.53% (6.71% with fees)
Bendigo Flex Home Loan (Retail) · owe 80.01–90% · 6.63% (6.83% with fees)
Bendigo Flex Home Loan · owe 80.01–90% · 6.63% (6.81% with fees)
Bendigo Complete Home Loan · owe up to 60% · 6.74% (6.96% with fees)
Bendigo Complete Home Loan · owe 60.01–80% · 6.83% (7.05% with fees)
Non-Individual Residential Investment Loan (NIRIL) · 6.83% (7.13% with fees)
Bendigo Complete Home Loan · owe 80.01–90% · 6.93% (7.15% with fees)

Fixed

Bendigo Easy Home Loan · one year · owe up to 80% · 6.64% (6.52% with fees)
Bendigo Easy Home Loan · two years · owe up to 80% · 6.64% (6.53% with fees)
Non-Individual Residential Investment Loan (NIRIL) · one year · 6.74% (7.12% with fees)
Non-Individual Residential Investment Loan (NIRIL) · two years · 6.74% (7.11% with fees)
Bendigo Flex Home Loan (Retail) · one year · owe up to 80% · 6.74% (6.75% with fees)
Bendigo Complete Home Loan · one year · 6.74% (7.04% with fees)
Bendigo Flex Home Loan (Retail) · two years · owe up to 80% · 6.74% (6.77% with fees)
Bendigo Complete Home Loan · two years · 6.74% (7.03% with fees)
Bendigo Easy Home Loan · three years · owe up to 80% · 6.74% (6.57% with fees)
Bendigo Flex Home Loan · one year · owe up to 80% · 6.74% (6.73% with fees)
Bendigo Flex Home Loan · two years · owe up to 80% · 6.74% (6.75% with fees)
Non-Individual Residential Investment Loan (NIRIL) · three years · 6.84% (7.13% with fees)
Bendigo Complete Home Loan · three years · 6.84% (7.05% with fees)
Bendigo Flex Home Loan (Retail) · three years · owe up to 80% · 6.84% (6.82% with fees)
Bendigo Easy Home Loan · four years · owe up to 80% · 6.84% (6.63% with fees)
Bendigo Easy Home Loan · five years · owe up to 80% · 6.84% (6.66% with fees)
Non-Individual Residential Investment Loan (NIRIL) · four years · 6.94% (7.17% with fees)
Non-Individual Residential Investment Loan (NIRIL) · five years · 6.94% (7.18% with fees)
Bendigo Flex Home Loan (Retail) · one year · owe 80.01–90% · 7.04% (6.87% with fees)
Bendigo Flex Home Loan (Retail) · two years · owe 80.01–90% · 7.04% (6.91% with fees)
Bendigo Flex Home Loan · one year · owe 80.01–90% · 7.04% (6.85% with fees)
Bendigo Flex Home Loan · two years · owe 80.01–90% · 7.04% (6.89% with fees)
Bendigo Flex Home Loan (Retail) · three years · owe 80.01–90% · 7.14% (6.98% with fees)
Bendigo Flex Home Loan · three years · owe 80.01–90% · 7.14% (6.96% with fees)
Bendigo Flex Home Loan (Retail) · four years · owe 80.01–90% · 7.24% (7.06% with fees)

Showing 40 of 50 rates for this profile, lowest rate first. Every band Bendigo Bank prices in appears above. The 10 not shown are more rates inside those same bands — a different product, or a different fixed term. All of them are in the data.

Investment, interest only

49 rates

Variable

Bendigo Easy Home Loan · owe up to 60% · 6.54% (6.47% with fees)
Bendigo Easy Home Loan · owe 60.01–70% · 6.59% (6.52% with fees)
Bendigo Easy Home Loan · owe 70.01–80% · 6.59% (6.55% with fees)
Bendigo Flex Home Loan (Retail) · owe up to 60% · 6.59% (6.69% with fees)
Bendigo Flex Home Loan · owe up to 60% · 6.59% (6.67% with fees)
Bendigo Flex Home Loan (Retail) · owe 60.01–70% · 6.64% (6.74% with fees)
Bendigo Flex Home Loan (Retail) · owe 70.01–80% · 6.64% (6.76% with fees)
Bendigo Flex Home Loan · owe 60.01–70% · 6.64% (6.72% with fees)
Bendigo Flex Home Loan · owe 70.01–80% · 6.64% (6.74% with fees)
Bendigo Flex Home Loan (Retail) · owe 80.01–90% · 6.83% (6.90% with fees)
Bendigo Flex Home Loan · owe 80.01–90% · 6.83% (6.88% with fees)
Bendigo Complete Home Loan · owe up to 60% · 6.89% (7.01% with fees)
Bendigo Complete Home Loan · owe 60.01–80% · 6.94% (7.08% with fees)
Non-Individual Residential Investment Loan (NIRIL) · 6.94% (7.16% with fees)

Fixed

Bendigo Easy Home Loan · one year · owe up to 80% · 6.74% (6.53% with fees)
Bendigo Easy Home Loan · two years · owe up to 80% · 6.74% (6.55% with fees)
Non-Individual Residential Investment Loan (NIRIL) · one year · 6.84% (7.21% with fees)
Non-Individual Residential Investment Loan (NIRIL) · two years · 6.84% (7.20% with fees)
Bendigo Flex Home Loan (Retail) · one year · owe up to 80% · 6.84% (6.76% with fees)
Bendigo Complete Home Loan · one year · 6.84% (7.07% with fees)
Bendigo Flex Home Loan (Retail) · two years · owe up to 80% · 6.84% (6.79% with fees)
Bendigo Complete Home Loan · two years · 6.84% (7.06% with fees)
Bendigo Easy Home Loan · three years · owe up to 80% · 6.84% (6.60% with fees)
Bendigo Flex Home Loan · one year · owe up to 80% · 6.84% (6.74% with fees)
Bendigo Flex Home Loan · two years · owe up to 80% · 6.84% (6.76% with fees)
Non-Individual Residential Investment Loan (NIRIL) · three years · 6.94% (7.22% with fees)
Bendigo Complete Home Loan · three years · 6.94% (7.08% with fees)
Bendigo Flex Home Loan (Retail) · three years · owe up to 80% · 6.94% (6.84% with fees)
Bendigo Easy Home Loan · four years · owe up to 80% · 6.94% (6.66% with fees)
Bendigo Easy Home Loan · five years · owe up to 80% · 6.94% (6.70% with fees)
Non-Individual Residential Investment Loan (NIRIL) · four years · 7.04% (7.25% with fees)
Non-Individual Residential Investment Loan (NIRIL) · five years · 7.04% (7.26% with fees)
Bendigo Flex Home Loan (Retail) · one year · owe 80.01–90% · 7.14% (6.88% with fees)
Bendigo Flex Home Loan (Retail) · two years · owe 80.01–90% · 7.14% (6.93% with fees)
Bendigo Flex Home Loan · one year · owe 80.01–90% · 7.14% (6.86% with fees)
Bendigo Flex Home Loan · two years · owe 80.01–90% · 7.14% (6.90% with fees)
Bendigo Flex Home Loan (Retail) · three years · owe 80.01–90% · 7.24% (7.00% with fees)
Bendigo Flex Home Loan · three years · owe 80.01–90% · 7.24% (6.98% with fees)
Bendigo Flex Home Loan (Retail) · four years · owe 80.01–90% · 7.34% (7.08% with fees)
Bendigo Flex Home Loan (Retail) · five years · owe 80.01–90% · 7.34% (7.13% with fees)

Showing 40 of 49 rates for this profile, lowest rate first. Every band Bendigo Bank prices in appears above. The 9 not shown are more rates inside those same bands — a different product, or a different fixed term. All of them are in the data.

Restricted to particular groups

Product	Who it is for	Rate
Bendigo Express Home Loan	a particular group only, per its published conditions	6.14%
First Home Buyers (Bendigo Complete Home Loan)	a particular group only, per its published conditions	6.43%
Bendigo Bridging Home Loan	a particular group only, per its published conditions	10.54%

The data says a product is restricted. It never says whether you would get it. On the comparison every one of these can be put back with a click, and every figure is worked out again.

What changed

Bendigo Bank last moved a rate on Tuesday 6 October. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Beside it

Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 52 publish a lower one than Bendigo Bank's 6.34%. The nearest either side:

AFG Home Loans Alpha 6.34%
Aussie Elevate 6.34%
Bendigo Bank 6.34%
Beyond Bank Australia 6.34%
Central West CUL 6.34%

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Bendigo Bank told you, it is usually one of these.

The published data is wrong

Bendigo Bank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source. If the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: Bendigo Bank
ABN: 11068049178
Product Reference Data endpoint: https://api.cdr.bendigobank.com.au
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 213

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.

Open the report form in a new tab ↗

The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy.

This page reads it wrongly

The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.

The other questions

Are you paying more than you need to? your rate against every lender publishing one
How fast should you pay it off? term, extra repayments, interest only
Don't have a loan yet? what to look at before you pick one
What does each lender advertise? every lender that publishes rates, a page each
What moved this week? which lenders changed an advertised rate
Where do these numbers come from? every published rate, and how fresh it is

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. Who made this. What this site collects.