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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)
Product Library

  Bendigo Easy Home Loan

For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees (MSF).
Category: Home Loans  Last Updated December 18, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.28% PA
Comparison Rate
5.38%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions..

Lending Rate Type: Variable
Interest Rate: 5.38%, Comparison Rate 5.40%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.33%, Comparison Rate 5.39%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.28%, Comparison Rate 5.38%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.53%, Comparison Rate 5.44%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.83%, Comparison Rate 5.56%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.78%, Comparison Rate 5.57%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.48%, Comparison Rate 5.86%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 5.46%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 5.79%, Comparison Rate 5.48%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.03%, Comparison Rate 5.57%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.33%, Comparison Rate 5.73%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.28%, Comparison Rate 5.77%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 5.39%, Comparison Rate 5.41%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.44%, Comparison Rate 5.46%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.48%, Comparison Rate 5.50%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.53%, Comparison Rate 5.50%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.48%, Comparison Rate 5.50%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.73%, Comparison Rate 5.57%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.03%, Comparison Rate 5.70%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.98%, Comparison Rate 5.72%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.59%, Comparison Rate 5.49%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.63%, Comparison Rate 5.49%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 5.63%, Comparison Rate 5.56%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.63%, Comparison Rate 5.51%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.58%, Comparison Rate 5.52%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 5.83%, Comparison Rate 5.59%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.13%, Comparison Rate 5.72%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.08%, Comparison Rate 5.75%
Repayment Type: Interest Only
Loan Purpose: Investment

Product Features

  • Redraw Additional Information: Manual & Online redraw available
  • Other Additional Information: Monthly repayments only
  • Extra Repayments Additional Information: Variable - Unlimited Fixed - $20,000 per Fixed Term year

Product Eligibility

  • Min Age - 18.
  • Other Additional Information: Credit and Lending Criteria, Fees and Charges Apply

Bank Fees and Charges

  • Establishment Fee (Upfront), Amount: 0.000000.
  • Security Processing Fee (Upfront), Amount: 199.000000.
  • Monthly Service Fee (Periodic), Amount: 0.000000. Additional Information: This fee is charged to cover the regular administration and servicing required for your loan
  • Bank Cheque Fee (Event), Amount: 10.000000.
  • Online Redraw Fee (Event), Amount: 0.000000. Additional Information: Charged when completing a redraw online
  • Manual Redraw Fee (Event), Amount: 0.000000. Additional Information: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking
  • Duplicate Fee (Event), Amount: 16.500000.
  • Default Fee (Event), Amount: 35.000000.
  • Variation Fee (Event), Amount: 250.000000.
  • Discharge Administration Fee (Exit), Amount: 350.000000.
  • Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: 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 Account balance in full; or • you make an additional repayment (by repaying more than your required repayments under your Contract) where the total of all additional repayments you have made since the start of the Fixed Rate Period or, if later, the anniversary of that date, that exceeds $20,000.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00
  • Max Lvr of 0.8

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Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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