Bendigo Bank
Bendigo Express Home Loan
Bendigo Bank · residential mortgages
Provider last updated this product 2026-09-10.
Go to provider
You'll complete your application on
Bendigo Bank's website. Confirm the rate and fees with them
before applying.
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.
As published by the lender
- Headline rates - from 5.89% to 6.44%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 5.89% | 6.02% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| FIXED | 6.39% | 6.07% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 12 months | - | calculated daily, paid monthly |
| FIXED | 6.44% | 6.13% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 24 months | - | calculated daily, paid monthly |
| FIXED | 6.39% | 6.16% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 36 months | - | calculated daily, paid monthly |
| FIXED | 6.44% | 6.22% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 48 months | - | calculated daily, paid monthly |
| FIXED | 6.44% | 6.26% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | 60 months | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Monthly Fee | PERIODIC | $10 | - |
| Discharge Administration Fee | EXIT | $350 | - |
| Establishment Fee | UPFRONT | $0 | Application Fee $0 |
| Variation Fee - Simple | EVENT | $150 | - |
| Variation Fee - Complex | EVENT | $300 | - |
| Guarantee Administration Fee | UPFRONT | $250 | - |
| Rate Variation Fee (to renegotiate Rate) | EVENT | $100 | - |
| Repayment Recalculation Fee | EVENT | $50 | - |
| Interest Prepayment Fee | EVENT | $85 | - |
| Default Fee | EVENT | $35 | - |
| Duplicate Fee | EVENT | $16.50 | - |
| Bank Cheque Fee | EVENT | $10 | - |
| Valuation Fee | EVENT | - | 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 |
| Break Cost Fee and Prepayment Fee | EVENT | - | 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 loan account balance in full. A Prepayment Fee is payable to us if, during a fixed rate period, you prepay an amount (repay more than your required repayments) that exceeds 20% of: • if the fixed rate period started on the date we first advanced any part of the amount of credit, the amount of credit – in which case the prepayment amount is the amount you prepay during the fixed rate period less 20% of the amount of credit; or • if the fixed rate period started on a date after the date we first advanced any part of the amount of credit, the loan account balance at the start of the fixed rate period – in which case the prepayment amount is the amount you prepay less 20% of the loan account balance at the start of the fixed rate period. |
| Online Redraw Fee | EVENT | $0 | Charged when completing a redraw online |
| Agent Lodgement Fee | EVENT | $125 | Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan |
| Manual Redraw Fee | EVENT | $0 | Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 5.89% | 6.02% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Weekly, fortnightly or monthly repayments
Who can apply
- min age - 18
- otherCredit and Lending Criteria, Fees and Charges Apply
- otherMinimum loan amount $10,000. Maximum loan amount $1.5m
- otherRefinance Only
- otherOwner-Occupied and Principal and Interest Only
Limits
- min limit - 10000.00
- max lvr - 0.8
- max limit - 1500000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-10T01:35:16.250Z · Product ID: 01fec5c4-a888-4330-a8cc-4a0a0ac931b5