RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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  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 September 19, 2024  Effective December 16, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information LVR < 80.01%
Interest Rate
5.54% PA
Comparison Rate
6.07%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 usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 6.19%
  • Lending Rate Type: Variable
  • Interest Rate: 6.19%, Comparison Rate 6.20%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 6.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.23%
  • Lending Rate Type: Variable
  • Interest Rate: 7.23%, Comparison Rate 6.64%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.26%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.25%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.32%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  INVESTMENT, VARIABLE, 6.24%
  • Lending Rate Type: Variable
  • Interest Rate: 6.24%, Comparison Rate 6.25%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.29%
  • Lending Rate Type: Variable
  • Interest Rate: 6.29%, Comparison Rate 6.30%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.32%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.44%
  • Lending Rate Type: Variable
  • Interest Rate: 6.44%, Comparison Rate 6.33%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.54%
  • Lending Rate Type: Variable
  • Interest Rate: 6.54%, Comparison Rate 6.40%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.32%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.35%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.37%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Redraw Additional Information: Manual & Online redraw available
  • Other Additional Information: Monthly repayments only
  • Other Additional Information: Unlimited additional repayments if variable, Max $20,000 per fixed term year without penalty.

 Product Eligibility

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

 Bank Fees and Charges

  • 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
  • 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.
  • Discharge Administration Fee (Exit), Amount: 350.000000.
  • Security Processing Fee (Upfront), Amount: 199.000000. Additional Information: (Currently Waived)
  • Variation Fee (Event), Amount: 250.000000.
  • Default Fee (Event), Amount: 35.000000.
  • Duplicate Fee (Event), Amount: 16.500000.
  • Bank Cheque Fee (Event), Amount: 10.000000.
  • Monthly Admin Fee (Event), Amount: 0.000000. Additional Information: This fee is charged to cover the regular administration and servicing required for your loan

 Limitations & Restrictions (Constraints)

  • Opening Balance of 5000.00

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The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

QUANTUM FINANCIAL SOLUTIONS PTY LTD​