Fixed rate frenzy: Bendigo & Adelaide slash up to 90bps
With a month now between us and the last cash rate cut, lenders' attention appears to have...
20 Jun, 2025
| Lender | Home Loan | Interest Rate | Comparison Rate* | Monthly Repayment | Repayment type | Rate Type | Offset | Redraw | Ongoing Fees | Upfront Fees | Max LVR | Lump Sum Repayment | Extra Repayments | Split Loan Option | Tags | Features | Link | Compare | Promoted Product | Disclosure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
5.29% p.a. | 5.70% p.a. | $2,773 | Principal & Interest | Fixed | $10 | $220 | 80% | |||||||||||||
5.29% p.a. | 5.67% p.a. | $2,773 | Principal & Interest | Fixed | $10 | $220 | 80% | |||||||||||||
5.39% p.a. | 5.90% p.a. | $2,805 | Principal & Interest | Fixed | $15 | $784 | 80% | |||||||||||||
5.39% p.a. | 5.94% p.a. | $2,805 | Principal & Interest | Fixed | $15 | $784 | 80% | |||||||||||||
5.49% p.a. | 5.87% p.a. | $2,836 | Principal & Interest | Fixed | $10 | $220 | 80% | |||||||||||||
5.49% p.a. | 5.90% p.a. | $2,836 | Principal & Interest | Fixed | $10 | $220 | 80% | |||||||||||||
5.49% p.a. | 5.71% p.a. | $2,836 | Principal & Interest | Fixed | $10 | $220 | 80% | |||||||||||||
5.49% p.a. | 5.72% p.a. | $2,836 | Principal & Interest | Fixed | $10 | $220 | 80% |
Important Information and Comparison Rate Warning
The down low on Bendigo Bank home loans
Bendigo Bank advertises itself as an alternative to Australia's big four banks and a lender with a focus on regional Australia. It consistently ranks among Australia's most trusted brands and, according to Roy Morgan, has a high rate of home loan satisfaction.
Bendigo Bank merged with Adelaide Bank in 2007. It's also the bank behind digital brand Up and a key backer of online lender Tiimely Home.
You might find Bendigo Bank a good fit for your home loan needs if you:
- Prefer in-person banking
Bendigo Bank has a presence across much of Australia, boasting more than 400 branches. - Want a full service bank
Bendigo Bank offers more than home loans, with savings accounts, credit cards, term deposit, and insurance solutions under its belt. - Want competitive home loan rates
While Bendigo Bank's home loan rates mightn't lead the market, it typically offers well-priced mortgage options. - Want multiple home loan choices
Bendigo Bank offers a variety of loan options, including basic and packaged loans, fixed and variable rates, and offset accounts. - Value sustainability
The bank doesn't directly finance coal, gas, oil, or logging projects, and has committed to reducing its absolute emissions by 50% by 2030 and 95% by 2040 (from 2020 levels). - Support community initiatives
Through its Community Bank model, Bendigo Bank reinvests profits into local infrastructure, wellbeing, and cultural projects - Are eligible for the Home Guarantee Scheme
Bendigo Bank participates in the Home Guarantee Scheme, which helps eligible first home buyers and single parents buy a home with deposits as small as 2% without paying for lenders mortgage insurance (LMI). -
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