BankMate

Home loan · Variable

Bendigo Easy Home Loan

Rate
Loan for
Repayments

6.40%comparison rate p.a. · 6.38% advertised

Variable · P&I · Owner-occupier · 60–80% LVR

31st of 93 variable owner-occupier P&I loans

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The same choices at every rate type

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Offset account
No
Redraw
Yes
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$350
Compare all 321 home loans
Compare Bendigo Easy side by side

Variable · P&I · Owner-occupier · ≤60% LVR
6.36% comparison · 6.34% advertised
Variable · P&I · Owner-occupier · 60–80% LVR
6.40% comparison · 6.38% advertised
Variable · Interest Only · Owner-occupier · ≤80% LVR
6.88% comparison · 7.48% advertised
Variable · P&I · Investor · ≤60% LVR
6.41% comparison · 6.39% advertised
Variable · P&I · Investor · 60–70% LVR
6.46% comparison · 6.44% advertised
Variable · P&I · Investor · 70–80% LVR
6.50% comparison · 6.48% advertised
Variable · Interest Only · Investor · ≤60% LVR
6.47% comparison · 6.54% advertised
Variable · Interest Only · Investor · 60–70% LVR
6.52% comparison · 6.59% advertised
Variable · Interest Only · Investor · 70–80% LVR
6.55% comparison · 6.59% advertised
1yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.41% comparison · 6.49% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.46% comparison · 6.99% advertised
1yr Fixed · P&I · Investor · ≤80% LVR
6.52% comparison · 6.64% advertised
1yr Fixed · Interest Only · Investor · ≤80% LVR
6.53% comparison · 6.74% advertised
2yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.42% comparison · 6.49% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.52% comparison · 6.99% advertised
2yr Fixed · P&I · Investor · ≤80% LVR
6.53% comparison · 6.64% advertised
2yr Fixed · Interest Only · Investor · ≤80% LVR
6.55% comparison · 6.74% advertised
3yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.46% comparison · 6.59% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.60% comparison · 7.09% advertised
3yr Fixed · P&I · Investor · ≤80% LVR
6.57% comparison · 6.74% advertised
3yr Fixed · Interest Only · Investor · ≤80% LVR
6.60% comparison · 6.84% advertised
4yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.51% comparison · 6.69% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.69% comparison · 7.19% advertised
4yr Fixed · P&I · Investor · ≤80% LVR
6.63% comparison · 6.84% advertised
4yr Fixed · Interest Only · Investor · ≤80% LVR
6.66% comparison · 6.94% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.54% comparison · 6.69% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.75% comparison · 7.19% advertised
5yr Fixed · P&I · Investor · ≤80% LVR
6.66% comparison · 6.84% advertised
5yr Fixed · Interest Only · Investor · ≤80% LVR
6.70% comparison · 6.94% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$350
Redraw fee
None

Offset account
No
Redraw
Yes
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$5,000

  • Bendigo Easy Home Loan · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00SepOctToday6.40% p.a. today

October 20262 changes

  1. 7Wed
    • 29 variants up 0.14 to 0.267 days after the RBA rise to 4.60%
      Variable · P&I · Owner-occupier · ≤60% LVR6.116.36+0.25
      Variable · P&I · Owner-occupier · 60–80% LVR6.156.40+0.25
      Variable · Interest Only · Owner-occupier · ≤80% LVR6.626.88+0.26
      Variable · P&I · Investor · ≤60% LVR6.166.41+0.25
      Variable · P&I · Investor · 60–70% LVR6.216.46+0.25
      Variable · P&I · Investor · 70–80% LVR6.256.50+0.25
      Variable · Interest Only · Investor · ≤60% LVR6.226.47+0.25
      Variable · Interest Only · Investor · 60–70% LVR6.276.52+0.25
      Variable · Interest Only · Investor · 70–80% LVR6.296.55+0.26
      1yr Fixed · P&I · Owner-occupier · ≤80% LVR6.196.41+0.22
      1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.246.46+0.22
      1yr Fixed · P&I · Investor · ≤80% LVR6.296.52+0.23
      1yr Fixed · Interest Only · Investor · ≤80% LVR6.306.53+0.23
      2yr Fixed · P&I · Owner-occupier · ≤80% LVR6.226.42+0.20
      2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.326.52+0.20
      2yr Fixed · P&I · Investor · ≤80% LVR6.336.53+0.20
      2yr Fixed · Interest Only · Investor · ≤80% LVR6.356.55+0.20
      3yr Fixed · P&I · Owner-occupier · ≤80% LVR6.286.46+0.18
      3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.426.60+0.18
      3yr Fixed · P&I · Investor · ≤80% LVR6.406.57+0.17
      3yr Fixed · Interest Only · Investor · ≤80% LVR6.426.60+0.18
      4yr Fixed · P&I · Owner-occupier · ≤80% LVR6.356.51+0.16
      4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.536.69+0.16
      4yr Fixed · P&I · Investor · ≤80% LVR6.476.63+0.16
      4yr Fixed · Interest Only · Investor · ≤80% LVR6.506.66+0.16
      5yr Fixed · P&I · Owner-occupier · ≤80% LVR6.406.54+0.14
      5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.616.75+0.14
      5yr Fixed · P&I · Investor · ≤80% LVR6.526.66+0.14
      5yr Fixed · Interest Only · Investor · ≤80% LVR6.556.70+0.15
      +0.14 to +0.26
  2. 5Mon
    • 20 variants up 0.01 to 0.115 days after the RBA rise to 4.60%
      All ≤80% LVR
      1yr Fixed · P&I · Owner-occupier6.186.19+0.01
      1yr Fixed · Interest Only · Owner-occupier6.236.24+0.01
      1yr Fixed · P&I · Investor6.286.29+0.01
      1yr Fixed · Interest Only · Investor6.296.30+0.01
      2yr Fixed · P&I · Owner-occupier6.216.22+0.01
      2yr Fixed · Interest Only · Owner-occupier6.316.32+0.01
      2yr Fixed · P&I · Investor6.326.33+0.01
      2yr Fixed · Interest Only · Investor6.346.35+0.01
      3yr Fixed · P&I · Owner-occupier6.226.28+0.06
      3yr Fixed · Interest Only · Owner-occupier6.366.42+0.06
      3yr Fixed · P&I · Investor6.346.40+0.06
      3yr Fixed · Interest Only · Investor6.366.42+0.06
      4yr Fixed · P&I · Owner-occupier6.266.35+0.09
      4yr Fixed · Interest Only · Owner-occupier6.446.53+0.09
      4yr Fixed · P&I · Investor6.386.47+0.09
      4yr Fixed · Interest Only · Investor6.416.50+0.09
      5yr Fixed · P&I · Owner-occupier6.296.40+0.11
      5yr Fixed · Interest Only · Owner-occupier6.506.61+0.11
      5yr Fixed · P&I · Investor6.416.52+0.11
      5yr Fixed · Interest Only · Investor6.446.55+0.11
      +0.01 to +0.11

For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees (MSF).

Also from Bendigo: Bendigo Express Home Loan 6.27% · Bendigo Flex Home Loan (Retail) 6.63% · Bendigo Complete Home Loan 6.65%

As of 1 November 2026, the Bendigo Easy Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.40% (6.38% advertised), ranking 31st of 93 variable owner-occupier P&I loans and sitting 0.18 points below the market average of 6.58%. The product comes in 29 variants; the others are investor, interest-only, fixed-rate and other LVR bands. Its rate last moved on 7 October 2026, 7 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.