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Basic Home Loan (Principal and Interest)

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • No ongoing fees
  • Suitable for low deposits
  • Parents can sign as guarantor
  • Extra repayments + redraw services
Cons:
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$5k - $100mCalculate how much you can borrow »
Total repayments
Total repayments
$597,456View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$250
Application fee
Application fee$150
Settlement fee
Settlement fee$100
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$10 monthly
Discharge fee
Discharge fee$250
Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$5k - $100mCalculate how much you can borrow »
Total repayments
Total repayments
$597,456View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$250
Application fee
Application fee$150
Settlement fee
Settlement fee$100
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$10 monthly
Discharge fee
Discharge fee$250

Bendigo Bank was formed in 1858 and merged with Adelaide Bank in 2007. It is Australia’s fifth largest bank and was publicly listed in 1993. It now has over 90,000 shareholders and 1.5 million customers.

The bank has headquarters in Bendigo, Victoria and over 6500 employees working at more than 600 customer service outlets throughout Australia. The bank offers products such as personal banking and loans, home and business loans, insurance, credit cards and financial planning services including investing, superannuation and wills and estates.

Bendigo Bank has won numerous awards and was named Business Bank of the Year from 2011-2013 in Roy Morgan’s Customer Satisfaction Awards.

Bendigo Bank home loan calculator  

Interested in a Bendigo Bank home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Bendigo Bank compares to its competitors. Simply plug in your borrowing amount below. 

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