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you are here: Home > Personal >
Home Loans > Fixed Rate Residential Home Loan |
To find out more about Bendigo Bank, click here to access our Financial Services Guide (FSG). You must review the FSG before accessing information on this website.
Fixed Interest Home Loan
Know where you stand with your repayments fixed for specified period. Purchase a new home, home extensions, a block of land, or even a holiday home.
| Fixed Rate Residential Home Loan Details |
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| Interest Rate |
Fixed |
| Calculated |
Daily |
| Charged |
Monthly |
| Term |
Maximum 30 years |
| Payments |
Weekly, fortnightly or monthly |
| Principal Payments |
Yes
20% of the principal sum can be repaid during the fixed rate term. Additional payments over and above 20% will attract a break cost. |
| Redraw Facility |
Yes, online redraw available |
| Fixed Rate Lock |
Yes |
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| Additional Transaction Account Rebates |
Yes. Receive a full Transaction Account Rebate on ALL of your eligible Transaction
Accounts*. |
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| Maximum LVR |
Borrow up to 95% on the value of the property (excluding mortgage insurance premium), or up to a maximum of 97% if mortgage insurance premium is capitalised. Maximum LVR on the value of land is 90%.
Note: If the LVR is greater than 80%, mortgage insurance will be required |
| Fees |
- Application fee - $150.
- Settlement fee - $80.
- Legal and Valuation Fees apply.
- Statutory fees and charges apply.
- In Branch Redraw Fee - $25.
- Online Redraw Fee - Free.
- Monthly Account Service Fee (optional) - $8.
- Break costs - will apply to payment amounts in excess of 20% of the principal sum during the fixed period.
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| Bonuses |
- 1.00% pa discount on new or existing Bendigo Red Credit Card - Up to 44 Days Interest-Free.
- 1.00% pa discount on new or existing Bendigo Red Credit Card - No Interest-Free.
- 3.00% pa discount on our Bendigo Red Credit Card - Up to 44 Days Interest-Free, if your Fixed Rate Residential Home Loan has been held with Bendigo
Bank for more than 12 months.
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| * Refer to our Schedule of Fees & Charges and
Transaction Account Rebates for more information on Transaction Account Rebates
and a list of eligible Transaction Accounts.
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| Apply
for a Residential Loan Online |
Interest Rates
| Fixed 1 Year - $8 Monthly Fee |
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Rate |
6.89% pa |
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Redraw |
Yes |
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Comparison Rate |
7.53% pa* |
| Fixed 2 Years - $8 Monthly Fee |
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Rate |
7.39% pa |
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Redraw |
Yes |
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Comparison Rate |
7.58% pa* |
| Fixed 3 Years - $8 Monthly Fee |
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Rate |
7.69% pa |
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Redraw |
Yes |
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Comparison Rate |
7.66% pa* |
| Fixed 4 Years - $8 Monthly Fee |
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Rate |
8.04% pa |
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Redraw |
Yes |
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Comparison Rate |
7.82% pa* |
| Fixed 5 Years - $8 Monthly Fee |
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Rate |
8.14% pa |
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Redraw |
Yes |
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Comparison Rate |
7.91% pa* |
| Fixed 1 Year - No Monthly Fee |
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Rate |
7.04% pa |
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Redraw |
Yes |
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Comparison Rate |
7.64% pa* |
| Fixed 2 Years - No Monthly Fee |
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Rate |
7.54% pa |
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Redraw |
Yes |
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Comparison Rate |
7.69% pa* |
| Fixed 3 Years - No Monthly Fee |
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Rate |
7.84% pa |
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Redraw |
Yes |
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Comparison Rate |
7.77% pa* |
| Fixed 4 Years - No Monthly Fee |
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Rate |
8.19% pa |
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Redraw |
Yes |
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Comparison Rate |
7.92% pa* |
| Fixed 5 Years - No Monthly Fee |
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Rate |
8.29% pa |
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Redraw |
Yes |
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Comparison Rate |
8.01% pa* |
All rates subject to change.
* Comparison rate calculated on a loan amount of $150,000 over a term of 25 years
based on monthly repayments.
A Comparison Rate Schedule is available at any Bendigo Bank branch or by
clicking here.
WARNING: This comparison rate applies only to the example or examples
given. Different amounts and terms will result in different comparison
rates. Costs
such as redraw fees or early repayment fees and cost savings such as fee
waivers are not included in the comparison rate but may influence the
cost of the loan. |
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