---
title: "Bendigo Express Home Loan — Bendigo Bank"
description: "Home Loans from Bendigo Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bendigo-bank/products/01fec5c4-a888-4330-a8cc-4a0a0ac931b5
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-30T14:32:22.837Z
---

# Bendigo Express Home Loan — Bendigo Bank

> Home Loans from Bendigo Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

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.

## At a glance

- **From (owner occupied):** 5.89% (6.02% comparison)

## Apply

Applications are handled by the provider: [Apply at Bendigo Bank](https://applyonline.bendigobank.com.au/Application)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 5.89% | 6.02% | — |
| Fixed · 1 year | 6.39% | 6.07% | — |
| Fixed · 3 years | 6.39% | 6.16% | — |
| Fixed · 2 years | 6.44% | 6.13% | — |
| Fixed · 4 years | 6.44% | 6.22% | — |
| Fixed · 5 years | 6.44% | 6.26% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Monthly Fee — Charged monthly | Ongoing | $10.00 |
| Discharge Administration Fee | Exit | $350.00 |
| Establishment Fee —  Application Fee $0 | Upfront | $0.00 |
| Variation Fee - Simple | Event | $150.00 |
| Variation Fee - Complex | Event | $300.00 |
| Guarantee Administration Fee | Upfront | $250.00 |
| Rate Variation Fee (to renegotiate Rate) | Event | $100.00 |
| Repayment Recalculation Fee | Event | $50.00 |
| Interest Prepayment Fee | Event | $85.00 |
| Default Fee | Event | $35.00 |
| Duplicate Fee | Event | $16.50 |
| Bank Cheque Fee | Event | $10.00 |
| Valuation Fee — 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 | Event | Variable |
| Break Cost Fee and Prepayment Fee — 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. | Event | Variable |
| Online Redraw Fee — Charged when completing a redraw online | Event | $0.00 |
| Agent Lodgement Fee  — Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan | Event | $125.00 |
| Manual Redraw Fee  — Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking | Event | $0.00 |

## Features

- **Redraw facility** (Online redraw available)
- **Weekly, fortnightly or monthly repayments**
- **Offset account** (Up to six offset accounts can be connected to the product)
- **Extra repayments** (Unlimited additional repayments if variable, otherwise 20% of loan balance when fixed)

## Eligibility

- **Minimum age** — 18 years
- **Credit and Lending Criteria, Fees and Charges Apply**
- **Minimum loan amount $10,000. Maximum loan amount $1.5m**
- **Refinance Only**
- **Owner-Occupied and Principal and Interest Only**

## Constraints

- **Minimum limit** — $10,000.00
- **Maximum LVR** — 80%
- **Maximum limit** — $1,500,000.00

## More information from Bendigo Bank

- [Overview](https://www.bendigobank.com.au/personal/home-loans/express-home-loan/)
- [Terms & conditions](https://www.bendigobank.com.au/globalassets/documents/disclosures/home-loan-booklet.pdf)
- [Fees & pricing](https://www.bendigobank.com.au/globalassets/documents/disclosures/lending-fees-and-charges.pdf)

## Data provenance

- Published by Bendigo Bank under the Consumer Data Right
- Product ID: `01fec5c4-a888-4330-a8cc-4a0a0ac931b5`
- Last updated by the provider: 30 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bendigo-bank/01fec5c4-a888-4330-a8cc-4a0a0ac931b5
- Provider page: https://www.cdrcompare.au/brands/bendigo-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000115

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bendigo-bank/products/01fec5c4-a888-4330-a8cc-4a0a0ac931b5) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)