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Loan products

Whether you are refinancing, purchasing to own or investing, our home loans are for you.

Flex Home Loan

Our 100% offsets1 are available to help save interest on fixed and variable loans.
Interest rate
Variable and fixed 1-5 year terms
Loan types
Owner occupied, investment, refinance, equity release and debt consolidation
Monthly service fee
Yes
Rate lock
Available
Max LVR
95% owner occupied principal and interest (inclusive of capitalised LMI)2
90% investor principal and interest (inclusive of capitalised LMI)2
80% interest only2
Loan amount
Minimum $5,000 (maximum varies depending on LMI and security location)
Loan terms
1-30 years
100% offset
Multiple 100% offset accounts per loan account (fixed and variable loans)1
Repayment options
Interest only (up to 5 years) or principal and interest
Extra repayments

Unlimited for Variable.

Max $20,000 p.a. without penalty for fixed loans.

Repayment frequency
Monthly
Free online redraw
Yes
See rates and fees Flex Home Loan fact sheet Fixed Rate Home Loan fact sheet

Easy Home Loan

Our Easy Home Loan is simple and practical. Suitable for customers looking to refinance, first home buyers and investors.
Interest rate
Variable and fixed 1-5 year terms
Loan types
Owner occupied, investment, refinance, equity release and debt consolidation
Monthly service fee
No
Rate lock
Available
Max LVR
80% owner occupied principal and interest (inclusive of capitalised LMI)2
80% investor principal and interest (inclusive of capitalised LMI)2
80% interest only2
Loan amount
Minimum $5,000 (maximum varies depending on LMI and security location)
Loan terms
1-30 years
100% offset
No
Repayment options
Interest only (up to 5 years) or principal and interest
Extra repayments

Unlimited for Variable.

Max $20,000 p.a. without penalty for fixed loans.

Repayment frequency
Monthly
Free online redraw
Yes
See rates and fees Easy Home Loan fact sheet Fixed Rate Home Loan fact sheet

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Residential security location guide
Residential income matrix
Supporting document checklist
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Things you should know

1Full offset facility is available on the Flex Home Loan only for both fixed and variable loans. Offset facility can only be linked to one Flex Home Loan at any one time. A maximum of 6 offset facilities can be linked per loan account. Linked offset facility must be in same customer name/number.

2The LVR is inclusive of capitalised LMI. LVR is subject to LMI acceptability, location, and loan purpose.

Flex Home Loans and Easy Home Loans are only available through Bendigo Bank accredited mortgage brokers.

Terms and conditions, fees and charges apply. All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.

 

Loan products
Rates and fees
Resources
Contact us

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

This website is for broker use only and any advice provided is of a general nature only. Information on this page can change without notice to you.
Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. GPO Box 1048, Adelaide SA 5001. Terms conditions and lending criteria apply.

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