Bendigo BankBendigo 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.
At a glance
- Variable (owner occ. P&I)
- 6.14%6.29% comparison
- Variable (investor P&I)
- 6.34%
- Fixed
- 1 yr 6.49%, 2 yrs 6.49%, 3 yrs 6.59%, 4 yrs 6.69%, 5 yrs 6.69%
- Max LVR
- 80%
- Annual fee
- $120
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.14% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 9th lowest of 104, level with 5 others |
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.49% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 22nd lowest of 82, level with 7 others |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.49% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 23rd lowest of 84, level with 6 others |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.59% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 27th lowest of 80, level with 5 others |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.69% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions | 12th lowest of 63, level with 5 others |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.34% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 9th lowest of 104, level with 2 others |
Rates
Every rate Bendigo Bank publishes for this home loan, 18 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%6.14%
- 1 yr fixedtypical 6.59%6.49%
- 2 yrs fixedtypical 6.62%6.49%
- 3 yrs fixedtypical 6.69%6.59%
- 4 yrs fixed6.69%
- 5 yrs fixedtypical 6.89%6.69%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, Interest only | 1 yr fixed | - | 6.74% | 6.58% | - |
| Fixed | Investment, Interest only | 2 yrs fixed | - | 6.74% | 6.60% | - |
| Fixed | Investment, Interest only | 3 yrs fixed | - | 6.84% | 6.65% | - |
| Fixed | Investment, Interest only | 4 yrs fixed | - | 6.94% | 6.71% | - |
| Fixed | Investment, Interest only | 5 yrs fixed | - | 6.94% | 6.74% | - |
| Fixed | Investment, P&I | 1 yr fixed | - | 6.59% | 6.52% | - |
| Fixed | Investment, P&I | 2 yrs fixed | - | 6.59% | 6.54% | - |
| Fixed | Investment, P&I | 3 yrs fixed | - | 6.69% | 6.59% | - |
| Fixed | Investment, P&I | 4 yrs fixed | - | 6.79% | 6.66% | - |
| Fixed | Investment, P&I | 5 yrs fixed | - | 6.79% | 6.69% | - |
| Fixed | Owner occupied, P&I | 1 yr fixed | - | 6.49% | 6.33% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | - | 6.49% | 6.36% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | - | 6.59% | 6.42% | - |
| Fixed | Owner occupied, P&I | 4 yrs fixed | - | 6.69% | 6.49% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | - | 6.69% | 6.53% | - |
| Variable | Investment, Interest only | - | - | 6.54% | 6.56% | - |
| Variable | Investment, P&I | - | - | 6.34% | 6.49% | - |
| Variable | Owner occupied, P&I | - | - | 6.14% | 6.29% | - |
Rate changes
6 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 7 Oct 2026 | Variable, Owner occupied, P&I | 5.89% | 6.14% | up 0.25 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 6.39% | 6.49% | up 0.10 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed | 6.44% | 6.49% | up 0.05 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.39% | 6.59% | up 0.20 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed | 6.44% | 6.69% | up 0.25 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed | 6.44% | 6.69% | up 0.25 |
Each change is logged the night it appears in the rates Bendigo Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
18 fees published, grouped by when they're charged.
- When you take it outUp to $2502 fees, each listed below
- While you hold it$10 a monthMonthly Fee
- When you close it or pay it off$350Discharge Administration Fee
When you take it out2
- Establishment Fee
Application Fee $0
No fee - Guarantee Administration Fee$250
While you hold it1
- Monthly Fee$10 a month
When particular things happen14
- Agent Lodgement Fee
Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan
$125 - Bank Cheque Fee$10
- Break Cost Fee and Prepayment Fee
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…
Varies - Default Fee$35
- Duplicate Fee$16.50
- Interest Prepayment Fee$85
- Manual Redraw Fee
Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking
No fee - Online Redraw Fee
Charged when completing a redraw online
No fee - Rate Variation Fee (to renegotiate Rate)$100
- Repayment Recalculation Fee$50
- Settlement Fee
Settlement Fee is payable at settlement
$300 - Valuation Fee
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
Varies - Variation Fee - Complex$300
- Variation Fee - Simple$150
When you close it or pay it off1
- Discharge Administration Fee$350
Features
- Weekly, fortnightly or monthly repayments
Eligibility and 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 $3m
- Purchase and Refinance
Compare it with others
Put this product through a calculator
Published by Bendigo Bank under the Consumer Data Right, last changed by them on 5 Nov 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.