Rating based on 1,137 reviews

Bendigo Bank

image of Bendigo Bank
image of Bendigo Bank

About Bendigo Bank

Formed by the merger of Adelaide Bank and Bendigo Bank in 2007, this bank’s online offering for prospective home owners is detailed and comprehensive.

With a multitude of tabs that may sound confusing yet present simplistically and logically, first time buyers, renovators, investors and re-financers can all have necessary intel spelled out clearly onsite.

Don’t spare the details

Although a potentially complex subject with a host of considerations, home loans from Bendigo Bank are explained fully and accompanied by as much information as anyone could need online.

An extensive presence

With a host of branches, affiliate outlets and with a reach across the continent, the company’s footprint is large in Australia.

This goes a long way towards both being testimony to their historical service offering as well as being evidence of their current attraction.

Everything you could possibly need

Although their information is copious online, this is almost expected of such an involved and transparent entity.

PDF’s detailing lending fees and many examples of a structured home loan are available for download from the company site.

Populated with calculation tools and with home loan options divided into 4 broad categories, Bendigo Bank speaks the common language without omitting essentials.

Further categories at Bendigo Bank include a Green Home Loan and a Home Equity Loan. The latter is a line of credit for homeowners.

What Bendigo Bank can offer you

Sampling an owner-occupied home loan on their site, at a variable rate of 4.33% pa on a packaged home loan, Bendigo also offer a fixed rate option. This fixed rate currently stands at 4.09% in this package.

Alternatively, a basic home loan will run at a variable interest rate of 4.38%. The fixed rate on a basic home loan is 4.24%. Comparative rates on both are noticeably higher.

Bendigo spells it out

Additional repayments can be made without penalty on all packages, but only under a variable rate on the Connect Package Home Loan and the Basic Home Loan.

Looking to invest in property?

Investors looking to purchase a home are catered for at Bendigo Bank. There are some interesting parceled features that would inspire one to become a mortgage applicant at the company.

These are offset charges based on the conduct of other bank accounts and also the waiver of fees, depending on the extent of a client’s banking within the Bendigo Bank stable.

Rewarding good banking

Put simply, the more of a client’s assets the bank manages, the less that client will pay in fees. Numerous options on collating services & fees are on offer as well as refinancing and other incentives, to encourage clients to bring it all under one roof.

Self-employed? No problem

Self-employed Australians are not discouraged by this bank, and anyone fulfilling the criteria for eligibility is aided and accompanied through the process of applying. You can easily get credit by completing an online loan application with this lender.

Interest Rate

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Loan Amount



Repayment Term

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In a Nutshell

  •  Fixed-rate home loans
  •  Interest-only home loans
  •  Online application
  •  In-store application

With Bendigo Bank you can get finance for a home quickly, apply online today

Still headquartered in Bendigo, with a second large office in Adelaide, the bank speaks eloquently to the entire range of potential homeowners.

No confusion for anyone

With such detailed intel and accompanying examples, while it might take some time to peruse, no one can be in any doubt as to what the offer constitutes at Bendigo Bank.

Homemakers and investors alike can avail themselves of all of the information needed to come to an informed choice between offered products.

Accounting for your own unique situations

Personal circumstances and preferences can all be extrapolated into real costing, using the online tools. Australians are helping this company go from strength to strength, year on year.

Offering you all the necessary details

With a far more detailed and tool-laden arena online than many of its peers, Bendigo Bank hints at the care it takes in dealing with its customers’ needs and one would do very well to first sit on their site awhile when considering the all too exciting prospect of buying a home.

Other products and services

In addition to offering a range of competitive home loans, Bendigo Bank alo offers personal loans, transactional accounts, vehicle finance, business loans, credit cards and a massive range of other financial services and products.

What are the implications of submitting false information?

As much as you would like us to approve your home loan application, providing us with false information will not put you into the right direction. If anything, we may never accept credit requests from you again in the near future if you provide us with false information.

Seeing that there are so many scams happening lately, we don’t want to take any chances when it comes to applications of our customers and we have to check and sometimes double check the supporting documents that we are given as part of the home loan process.

We take such an activity as fraud and will have no choice but to decline your credit request. It is important that customers submit their truthful and honest financial statements and let us confirm as to whether the authenticity of the submitted documents is indeed truthful and just.

Will my information be shared with third parties?

Everything we do at Bendigo Bank is strictly private and confidential. This is company policy and we want to protect our clients at all times. The main reason we normally request your details is for record purposes and it makes the process easier when you apply for a home loan again in future.

Eligibility & Requirements

Other Products & Services

  • Savings Accounts
  • Home Loans
  • Personal Loans
  • Insurance
  • Transaction Accounts
  • Credit Cards

Customer Reviews & Testimonials

August 2018

Bendigo Bank gave me an affordable home loan. I am thrilled!

Samantha H
— Perth —

June 2018

The Bendigo Bank home loan application is fast. Within 10 minutes, I was done with my application.

Michael F
— Broome —

February 2019

Within one business day, I was already informed that my home loan application was successful.

Richard K
— Brisbane —

 Find us here

The Bendigo Centre, Bendigo

Postal Address

PO Box 480 Bendigo, Victoria, 3552, Australia

 Get in contact