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Rates and fees

Interest rates and fees across our Flex Home Loan and Easy Home Loan accounts.  

Residential interest rates for new home loans

Select what to display below

Flex Home Loan

Investment variable rates Investment fixed rates

Owner occupied - Variable rates

Fees and charges

Effective date: 31/01/2024

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.04% p.a. 6.21% p.a. 7.23% p.a. 6.71% p.a.
LVR 50.01-60% 6.04% p.a. 6.21% p.a. 7.23% p.a. 6.71% p.a.
LVR 60.01-70% 6.14% p.a. 6.31% p.a. 7.23% p.a. 6.77% p.a.
LVR 70.01-80% 6.14% p.a. 6.31% p.a. 7.23% p.a. 6.77% p.a.
LVR 80.01-90% 6.39% p.a. 6.56% p.a. N/A N/A
LVR ≥ 90.01% 7.73% p.a. 7.89% p.a. N/A N/A

Owner occupied - Fixed rates

Fees and charges

Effective date: 31/01/2024

1 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.29% p.a. 6.23% p.a. 6.79% p.a. 6.28% p.a.
LVR 50.01-60% 6.29% p.a. 6.23% p.a. 6.79% p.a. 6.28% p.a.
LVR 60.01-70% 6.29% p.a. 6.32% p.a. 6.79% p.a. 6.37% p.a.
LVR 70.01-80% 6.29% p.a. 6.32% p.a. 6.79% p.a. 6.37% p.a.
LVR 80.01-90% 6.49% p.a. 6.57% p.a. N/A N/A
LVR ≥ 90.01% 6.49% p.a. 7.75% p.a. N/A N/A

2 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 5.99% p.a. 6.20% p.a. 6.49% p.a. 6.29% p.a.
LVR 50.01-60% 5.99% p.a. 6.20% p.a. 6.49% p.a. 6.29% p.a.
LVR 60.01-70% 5.99% p.a. 6.28% p.a. 6.49% p.a. 6.37% p.a.
LVR 70.01-80% 5.99% p.a. 6.28% p.a. 6.49% p.a. 6.37% p.a.
LVR 80.01-90% 6.19% p.a. 6.52% p.a. N/A N/A
LVR ≥ 90.01% 6.19% p.a. 7.57% p.a. N/A N/A

3 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.04% p.a. 6.21% p.a. 6.54% p.a. 6.34% p.a.
LVR 50.01-60% 6.04% p.a. 6.21% p.a. 6.54% p.a. 6.34% p.a.
LVR 60.01-70% 6.04% p.a. 6.28% p.a. 6.54% p.a. 6.41% p.a.
LVR 70.01-80% 6.04% p.a. 6.28% p.a. 6.54% p.a. 6.41% p.a.
LVR 80.01-90% 6.24% p.a. 6.51% p.a. N/A N/A
LVR ≥ 90.01% 6.24% p.a. 7.45% p.a. N/A N/A

4 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.04% p.a. 6.21% p.a. 6.54% p.a. 6.38% p.a.
LVR 50.01-60% 6.04% p.a. 6.21% p.a. 6.54% p.a. 6.38% p.a.
LVR 60.01-70% 6.04% p.a. 6.27% p.a. 6.54% p.a. 6.44% p.a.
LVR 70.01-80% 6.04% p.a. 6.27% p.a. 6.54% p.a. 6.44% p.a.
LVR 80.01-90% 6.24% p.a. 6.50% p.a. N/A N/A
LVR ≥ 90.01% 6.24% p.a. 7.33% p.a. N/A N/A

5 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.04% p.a. 6.21% p.a. 6.54% p.a. 6.41% p.a.
LVR 50.01-60% 6.04% p.a. 6.21% p.a. 6.54% p.a. 6.41% p.a.
LVR 60.01-70% 6.04% p.a. 6.26% p.a. 6.54% p.a. 6.47% p.a.
LVR 70.01-80% 6.04% p.a. 6.26% p.a. 6.54% p.a. 6.47% p.a.
LVR 80.01-90% 6.24% p.a. 6.49% p.a. N/A N/A
LVR ≥ 90.01%
6.24% p.a. 7.22% p.a. N/A N/A

Investment - Variable rates

Fees and charges

Effective date: 31/01/2024

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.24% p.a. 6.41% p.a. 6.44% p.a. 6.48% p.a.
LVR 50.01-60% 6.24% p.a. 6.41% p.a. 6.44% p.a. 6.48% p.a.
LVR 60.01-70% 6.43% p.a. 6.59% p.a. 6.74% p.a. 6.72% p.a.
LVR 70.01-80% 6.43% p.a. 6.59% p.a. 6.74% p.a. 6.72% p.a.
LVR 80.01-90%
6.88% p.a. 7.04% p.a. N/A N/A

Investment - Fixed rates

Fees and charges

Effective date: 31/01/2024

1 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.64% p.a. 6.45% p.a. 6.74% p.a. 6.45% p.a.
LVR 50.01-60% 6.64% p.a. 6.45% p.a. 6.74% p.a. 6.45% p.a.
LVR 60.01-70% 6.64% p.a. 6.62% p.a. 6.74% p.a. 6.62% p.a.
LVR 70.01-80% 6.64% p.a. 6.62% p.a. 6.74% p.a. 6.62% p.a.
LVR 80.01-90% 6.84% p.a. 7.04% p.a. N/A N/A

2 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.34% p.a. 6.43% p.a. 6.44% p.a. 6.44% p.a.
LVR 50.01-60% 6.34% p.a. 6.43% p.a. 6.44% p.a. 6.44% p.a.
LVR 60.01-70% 6.34% p.a. 6.58% p.a. 6.44% p.a. 6.59% p.a.
LVR 70.01-80% 6.34% p.a. 6.58% p.a. 6.44% p.a. 6.59% p.a.
LVR 80.01-90% 6.54% p.a. 6.97% p.a. N/A N/A

3 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.39% p.a. 6.45% p.a. 6.49% p.a. 6.47% p.a.
LVR 50.01-60% 6.39% p.a. 6.45% p.a. 6.49% p.a. 6.47% p.a.
LVR 60.01-70% 6.39% p.a. 6.58% p.a. 6.49% p.a. 6.60% p.a.
LVR 70.01-80% 6.39% p.a. 6.58% p.a. 6.49% p.a. 6.60% p.a.
LVR 80.01-90% 6.59% p.a. 6.96% p.a. N/A N/A

4 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.39% p.a. 6.46% p.a. 6.49% p.a. 6.49% p.a.
LVR 50.01-60% 6.39% p.a. 6.46% p.a. 6.49% p.a. 6.49% p.a.
LVR 60.01-70% 6.39% p.a. 6.58% p.a. 6.49% p.a. 6.61% p.a.
LVR 70.01-80% 6.39% p.a. 6.58% p.a. 6.49% p.a. 6.61% p.a.
LVR 80.01-90% 6.59% p.a. 6.93% p.a. N/A N/A

5 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.39% p.a. 6.47% p.a. 6.49% p.a. 6.50% p.a.
LVR 50.01-60% 6.39% p.a. 6.47% p.a. 6.49% p.a. 6.50% p.a.
LVR 60.01-70% 6.39% p.a. 6.58% p.a. 6.49% p.a. 6.61% p.a.
LVR 70.01-80% 6.39% p.a. 6.58% p.a. 6.49% p.a. 6.61% p.a.
LVR 80.01-90% 6.59% p.a. 6.91% p.a. N/A N/A

Easy Home Loan

Investment variable rates Investment fixed rates

Owner occupied - Variable rates

Fees and charges

Effective date: 31/01/2024

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.04% p.a. 6.05% p.a. 7.23% p.a. 6.56% p.a.
LVR 50.01-60% 6.04% p.a. 6.05% p.a. 7.23% p.a. 6.56% p.a.
LVR 60.01-70% 6.14% p.a. 6.15% p.a. 7.23% p.a. 6.61% p.a.
LVR 70.01-80% 6.14% p.a. 6.15% p.a. 7.23% p.a. 6.61% p.a.

Owner occupied - Fixed rates

Fees and charges

Effective date: 31/01/2024

1 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.29% p.a. 6.07%p.a. 6.79% p.a. 6.12% p.a.
LVR 50.01-60% 6.29% p.a. 6.07% p.a. 6.79% p.a. 6.12% p.a.
LVR 60.01-70% 6.29% p.a. 6.16% p.a. 6.79% p.a. 6.21% p.a.
LVR 70.01-80% 6.29% p.a. 6.16% p.a. 6.79% p.a. 6.21% p.a.

2 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 5.99% p.a. 6.04% p.a. 6.49% p.a. 6.13% p.a.
LVR 50.01-60% 5.99% p.a. 6.04% p.a. 6.49% p.a. 6.13% p.a.
LVR 60.01-70% 5.99% p.a. 6.12% p.a. 6.49% p.a. 6.21% p.a.
LVR 70.01-80% 5.99% p.a. 6.12% p.a. 6.49% p.a. 6.21% p.a.

3 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.04% p.a. 6.05% p.a. 6.54% p.a. 6.18% p.a.
LVR 50.01-60% 6.04% p.a. 6.05% p.a. 6.54% p.a. 6.18% p.a.
LVR 60.01-70% 6.04% p.a. 6.12% p.a. 6.54% p.a. 6.26% p.a.
LVR 70.01-80% 6.04% p.a. 6.12% p.a. 6.54% p.a. 6.26% p.a.

4 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.04% p.a. 6.05% p.a. 6.54% p.a. 6.22% p.a.
LVR 50.01-60% 6.04% p.a. 6.05% p.a. 6.54% p.a. 6.22% p.a.
LVR 60.01-70% 6.04% p.a. 6.11% p.a. 6.54% p.a. 6.29% p.a.
LVR 70.01-80% 6.04% p.a. 6.11% p.a. 6.54% p.a. 6.29% p.a.

5 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.04% p.a. 6.05% p.a. 6.54% p.a. 6.26% p.a.
LVR 50.01-60% 6.04% p.a. 6.05% p.a. 6.54% p.a. 6.26% p.a.
LVR 60.01-70% 6.04% p.a. 6.10% p.a. 6.54% p.a. 6.31% p.a.
LVR 70.01-80%
6.04% p.a. 6.10% p.a. 6.54% p.a. 6.31% p.a.

Investment - Variable rates

Fees and charges

Effective date: 31/01/2024

Loan Principal & interest2 Principal & interest comparison rate1 Interest only1 Interest only comparison rate2
LVR ≤ 50% 6.24% p.a. 6.25% p.a. 6.44% p.a. 6.33% p.a.
LVR 50.01-60% 6.24% p.a. 6.25% p.a. 6.44% p.a. 6.33% p.a.
LVR 60.01-70% 6.43% p.a. 6.44% p.a. 6.74% p.a. 6.57% p.a.
LVR 70.01-80%
6.43% p.a. 6.44% p.a. 6.74% p.a. 6.57% p.a.

Investment - Fixed rates

Fees and charges

Effective date: 31/01/2024

1 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.64% p.a. 6.29% p.a. 6.74% p.a. 6.30% p.a.
LVR 50.01-60% 6.64% p.a. 6.29% p.a. 6.74% p.a. 6.30% p.a.
LVR 60.01-70% 6.64% p.a. 6.46% p.a. 6.74% p.a. 6.47% p.a.
LVR 70.01-80% 6.64% p.a. 6.46% p.a. 6.74% p.a. 6.47% p.a.

2 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.34% p.a. 6.26% p.a. 6.44% p.a. 6.28% p.a.
LVR 50.01-60% 6.34% p.a. 6.26% p.a. 6.44% p.a. 6.28% p.a.
LVR 60.01-70% 6.34% p.a. 6.42% p.a. 6.44% p.a. 6.44% p.a.
LVR 70.01-80% 6.34% p.a. 6.42% p.a. 6.44% p.a. 6.44% p.a.

3 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.39% p.a. 6.29% p.a. 6.49% p.a. 6.31% p.a.
LVR 50.01-60% 6.39% p.a. 6.29% p.a. 6.49% p.a. 6.31% p.a.
LVR 60.01-70% 6.39% p.a. 6.42% p.a. 6.49% p.a. 6.45% p.a.
LVR 70.01-80% 6.39% p.a. 6.42% p.a. 6.49% p.a. 6.45% p.a.

4 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.39% p.a. 6.30% p.a. 6.49% p.a. 6.33% p.a.
LVR 50.01-60% 6.39% p.a. 6.30% p.a. 6.49% p.a. 6.33% p.a.
LVR 60.01-70% 6.39% p.a. 6.42% p.a. 6.49% p.a. 6.46% p.a.
LVR 70.01-80% 6.39% p.a. 6.42% p.a. 6.49% p.a. 6.46% p.a.

5 Year fixed

Loan Principal & interest2 Principal & interest comparison rate1 Interest only2 Interest only comparison rate1
LVR ≤ 50% 6.39% p.a. 6.31% p.a. 6.49% p.a. 6.35% p.a.
LVR 50.01-60% 6.39% p.a. 6.31% p.a. 6.49% p.a. 6.35% p.a.
LVR 60.01-70% 6.39% p.a. 6.42% p.a. 6.49% p.a. 6.46% p.a.
LVR 70.01-80% 6.39% p.a. 6.42% p.a. 6.49% p.a. 6.46% p.a.

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Things you should know

All lending interest rates are subject to change. Rates are for new business and may differ for existing customers. Terms and conditions, fees and charges apply. Fees and Charges can be found in the Home Loan Fees & Charges. Full details available upon application. Lending criteria apply.

1Important information about comparison rates: The comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. All interest rates are current as at the effective dated stated above and are subject to change without notice.

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

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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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