Bendigo Bank
Bendigo Easy Home Loan
For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees (MSF).
Home loansBank updated 10 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 6.09% · 6.11% comparison
- Variable (investor P&I)
- 6.14%
- Fixed
- 1 yr 6.39% · 2 yrs 6.44% · 3 yrs 6.39% · 4 yrs 6.44% · 5 yrs 6.44%
- Max LVR
- 80%
- Features
- redraw, extra repayments
§ 01 — Rates · 29
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · Interest only | 1 yr fixed | ≤80% LVR | 6.64% | 6.29% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | ≤80% LVR | 6.69% | 6.34% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | ≤80% LVR | 6.64% | 6.36% | — |
| Fixed | Investment · Interest only | 4 yrs fixed | ≤80% LVR | 6.69% | 6.41% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | ≤80% LVR | 6.69% | 6.44% | — |
| Fixed | Investment · P&I | 1 yr fixed | ≤80% LVR | 6.54% | 6.28% | — |
| Fixed | Investment · P&I | 2 yrs fixed | ≤80% LVR | 6.59% | 6.32% | — |
| Fixed | Investment · P&I | 3 yrs fixed | ≤80% LVR | 6.54% | 6.34% | — |
| Fixed | Investment · P&I | 4 yrs fixed | ≤80% LVR | 6.59% | 6.38% | — |
| Fixed | Investment · P&I | 5 yrs fixed | ≤80% LVR | 6.59% | 6.41% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | ≤80% LVR | 6.89% | 6.23% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | ≤80% LVR | 6.94% | 6.31% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | ≤80% LVR | 6.89% | 6.36% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | ≤80% LVR | 6.94% | 6.44% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | ≤80% LVR | 6.94% | 6.50% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | ≤80% LVR | 6.39% | 6.18% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | ≤80% LVR | 6.44% | 6.21% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | ≤80% LVR | 6.39% | 6.22% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | ≤80% LVR | 6.44% | 6.26% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | ≤80% LVR | 6.44% | 6.29% | — |
| Variable | Investment · Interest only | — | ≤60% LVR | 6.29% | 6.22% | — |
| Variable | Investment · Interest only | — | 60–70% LVR | 6.34% | 6.27% | — |
| Variable | Investment · Interest only | — | 70–80% LVR | 6.34% | 6.29% | — |
| Variable | Investment · P&I | — | ≤60% LVR | 6.14% | 6.16% | — |
| Variable | Investment · P&I | — | 60–70% LVR | 6.19% | 6.21% | — |
| Variable | Investment · P&I | — | 70–80% LVR | 6.23% | 6.25% | — |
| Variable | Owner occupied · Interest only | — | ≤80% LVR | 7.23% | 6.62% | — |
| Variable | Owner occupied · P&I | — | ≤60% LVR | 6.09% | 6.11% | — |
| Variable | Owner occupied · P&I | — | 60–80% LVR | 6.13% | 6.15% | — |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Bank Cheque Fee | Event | $10 | — | — |
| Default Fee | Event | $35 | — | — |
| Duplicate Fee | Event | $16.50 | — | — |
| 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 |
| Variation Fee | Event | $250 | — | — |
| Discharge Administration Fee | Exit | $350 | — | — |
| Break Cost Fee | Other | Varies | — | Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under your Contract; • you repay your Loan Accou… |
| Monthly Service Fee | Periodic | No fee | Every 1 mo | This fee is charged to cover the regular administration and servicing required for your loan |
| Establishment Fee | Upfront | No fee | — | — |
| Security Processing Fee | Upfront | $199 | — | — |
§ 03 — Features
RedrawExtra repayments
- · Monthly repayments only
§ 04 — Eligibility & limits
- · Minimum age 18
- · Amount $5,000 to no maximum
- · Maximum LVR 80%
- · Credit and Lending Criteria, Fees and Charges Apply
§ 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.