Bendigo Bank
Bendigo Express Home Loan
The Bendigo Express is an online home loan which enables a customer to apply and be approved for a home loan re-finance digitally. The application form will be hosted by our partner Tiimely.
Home loansBank updated 10 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 5.89% · 6.02% comparison
- Fixed
- 1 yr 6.39% · 2 yrs 6.44% · 3 yrs 6.39% · 4 yrs 6.44% · 5 yrs 6.44%
- Max LVR
- 80%
- Annual fee
- $120
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 6
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied · P&I | 1 yr fixed | — | 6.39% | 6.07% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | — | 6.44% | 6.13% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | — | 6.39% | 6.16% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | — | 6.44% | 6.22% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | — | 6.44% | 6.26% | — |
| Variable | Owner occupied · P&I | — | — | 5.89% | 6.02% | — |
§ 02 — Fees · 17
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Agent Lodgement Fee | Event | $125 | — | Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan |
| Bank Cheque Fee | Event | $10 | — | — |
| Break Cost Fee and Prepayment Fee | Event | Varies | — | A Break Cost Fee is payable to us each time any of the following break events occur during a fixed rate period: • at your request, we agree to vary your annual percentage rate; or • you repay your lo… |
| Default Fee | Event | $35 | — | — |
| Duplicate Fee | Event | $16.50 | — | — |
| Interest Prepayment Fee | Event | $85 | — | — |
| Manual Redraw Fee | Event | No fee | — | Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking |
| Online Redraw Fee | Event | No fee | — | Charged when completing a redraw online |
| Rate Variation Fee (to renegotiate Rate) | Event | $100 | — | — |
| Repayment Recalculation Fee | Event | $50 | — | — |
| Valuation Fee | Event | Varies | — | Valuation fees (charged at cost, per property): Electronic valuation: $134.20 Full valuation - less than $1 million in value: $220 Full valuation - greater than $1 million in value: $440 |
| Variation Fee - Complex | Event | $300 | — | — |
| Variation Fee - Simple | Event | $150 | — | — |
| Discharge Administration Fee | Exit | $350 | — | — |
| Monthly Fee | Periodic | $10 | Every 1 mo | — |
| Establishment Fee | Upfront | No fee | — | Application Fee $0 |
| Guarantee Administration Fee | Upfront | $250 | — | — |
§ 03 — Features
Offset accountRedrawExtra repayments
- · Weekly, fortnightly or monthly repayments
§ 04 — Eligibility & limits
- · Minimum age 18
- · Amount $10,000 to $1,500,000
- · Maximum LVR 80%
- · Credit and Lending Criteria, Fees and Charges Apply
- · Minimum loan amount $10,000. Maximum loan amount $1.5m
- · Refinance Only
- · Owner-Occupied and Principal and Interest Only
§ 06 — Run the numbers
Put this product through a calculator
Published by Bendigo Bank under the Consumer Data Right, last changed by them on 10 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.