Schedule Of Lending Interest Rates
Schedule Of Lending Interest Rates
Rates effective as at 21 February 2023
The Schedule of Lending Interest Rates provides information relating to current lending rates that apply to Bendigo Bank. You can find out the current rates or request other related documentation by contacting your local branch, phoning 1300 236 344 or visiting our website .au
Owner Occupied Home Loans
Repayment Type
Home Loan
Loan Type
Principal and Interest
Complete
Variable 0 - 60% LVR Variable > 60 - 80% LVR Variable > 80 - 90% LVR Variable > 90% LVR Fixed 1 Year Fixed 2 Years Fixed 3 Years Fixed 4 Years Fixed 5 Years
Interest Rate p.a.
5.09% 5.19% 6.34% 6.54% 5.89% 5.79% 5.79% 5.54% 5.99%
Reference Rate Residential Variable Rate
Repayment Type Interest Only
Home Loan Complete Bridging Loan
Loan Type
Variable 0 - 60% LVR Variable > 60 - 80% LVR Variable > 80 - 90% LVR * Variable > 90% LVR * Fixed 1 Year Fixed 2 Years Fixed 3 Years Fixed 4 Years Fixed 5 Years
Variable
Home Buyer Schemes
Repayment Type
Home Loan
Loan Type
Principal and Interest Interest Only
First Home Guarantee (FHBG), Variable
Family Home Guarantee (FHG), Fixed 1 Year
Victorian Homebuyer Fund (VHF), Regional First Home Buyer
Fixed 2 Years
Guarantee (RFHBG) & NSW Fixed 3 Years
Shared Equity Home Buyer Helper Fixed 4 Years
(SEHBH)
Fixed 5 Years
FHBG, FHG, RFHBG & SEHBH only
Variable
Bendigo Express (available online only)
Repayment Type
Home Loan
Loan Type
Principal and Interest Interest Only
Express
Variable Fixed 1 Year Fixed 2 Years Fixed 3 Years Fixed 4 Years Fixed 5 Years Variable Fixed 1 Year Fixed 2 Years Fixed 3 Years Fixed 4 Years Fixed 5 Years
Interest Rate p.a.
5.74% 5.94% 7.09% 7.29% 6.29% 6.39% 6.19% 6.29% 6.39%
8.79%
Reference Rate
Residential Variable Interest Only Rate
Interest Rate p.a.
5.19% 5.89% 5.79% 5.79% 5.54% 5.99%
5.19%
Interest Rate p.a.
4.72% 5.84% 5.74% 5.74% 5.49% 5.94% 5.47% 6.24% 6.34% 6.14% 6.24% 6.34%
Reference Rate
Residential Variable Rate
Residential Variable Interest Only Rate
Reference Rate
Bendigo Express Residential Variable Rate
Bendigo Express Residential Variable
Int Only Rate
Residential Investment Home Loans
Repayment Type Principal and Interest
Home Loan Complete
Loan Type
Variable 0 - 60% LVR Variable > 60 - 80% LVR Variable > 80 - 90% LVR Variable > 90% LVR * Fixed 1 Year Fixed 2 Years Fixed 3 Years Fixed 4 Years Fixed 5 Years
Interest Rate p.a.
5.24% 5.44% 6.69% 6.89% 6.09% 6.09% 5.99% 6.09% 6.19%
Repayment Type Interest Only
Home Loan Complete Bridging Loan
Loan Type
Variable 0 - 60% LVR Variable > 60 - 80% LVR Variable > 80 - 90% LVR * Variable > 90% LVR* Fixed 1 Year Fixed 2 Years Fixed 3 Years Fixed 4 Years Fixed 5 Years
Variable
Interest Rate p.a.
5.44% 5.64% 7.09% 7.29% 6.29% 6.19% 6.19% 6.29% 6.39%
8.79%
Bendigo Express (available online only)
Repayment Type
Home Loan
Loan Type
Principal and Interest Interest Only
Express
Variable Fixed 1 Year Fixed 2 Years Fixed 3 Years Fixed 4 Years Fixed 5 Years Variable Fixed 1 Year Fixed 2 Years Fixed 3 Years Fixed 4 Years Fixed 5 Years
Interest Rate p.a.
4.97% 6.04% 6.04% 5.94% 6.04% 6.14% 5.17% 6.24% 6.14% 6.14% 6.24% 6.34%
Non-Individual Residential Investment Loan (NIRIL)
Repayment Type
Home Loan
Loan Type
Interest Rate p.a.
Variable
Fixed 1 Year
Principal and Interest
Fixed 2 Years Fixed 3 Years
Fixed 4 Years
Non-Individual Residential Investment Loan (NIRIL)
Fixed 5 Years Variable
Fixed 1 Year
Interest Only
Fixed 2 Years Fixed 3 Years
Fixed 4 Years
Fixed 5 Years
*Interest only max LVR 80%. Residential investment max LVR 90%. Subject to Bendigo Bank Credit Criteria
5.44% 6.09% 6.09% 5.99% 6.09% 6.19% 5.64% 6.29% 6.19% 6.19% 6.29% 6.39%
Reference Rate
Bendigo Investment Rate
Reference Rate
Bendigo Investment Interest Only Rate
Reference Rate Bendigo Express Investment Rate
Bendigo Express Investment Interest Only Rate
Reference Rate Bendigo Non-Individual Investment
Rate
Bendigo Non-Individual Investment Int Only Rate
Personal Loans
Loan Type
Secured
Unsecured
Credit Cards
Product Low Rate Credit Card Platinum Rewards Credit Card Qantas Platinum Credit Card
Product
Secured Personal Loan Green Secured Personal Loan Student Secured Personal Loan Unsecured Personal Loan Green Unsecured Personal Loan Student Unsecured Personal Loan
Interest Free Days
Up to 55 Up to 55 Up to 55
Interest Rate p.a.
7.79% 4.99% 6.79% 12.79% 6.99% 9.99%
Purchase Interest Rate p.a.
11.99% 19.99% 19.99%
Monthly Service Fee
$5 n/a n/a $5 n/a n/a
Cash Advance Interest Rate p.a.
13.99% 21.99% 21.99%
Margin Loans
Product
Loan Type
Paid Annually in Advance
Paid Monthly in Arrears
Variable
Leveraged Equities Margin Loan Fixed 1 Year
and
Fixed 2 Years
Leveraged Equities Investment Fixed 3 Years
Funds Multiplier
Fixed 4 Years
Fixed 5 Years
n/a 9.49% p.a. 9.59% p.a. 9.69% p.a. 9.79% p.a. 9.89% p.a.
9.70% p.a. 9.59% p.a. 9.69% p.a. 9.79% p.a. 9.89% p.a. 9.99% p.a.
Leveraged Equities Direct Investment Loan
Variable Fixed 1 Year
n/a 8.29% p.a.
7.34% p.a. 8.39% p.a.
Margin Loans listed in this table are issued by Leveraged Equities Limited as Lender. ABN 26 051 629 282, AFSL 360118. All rates are subject to change at any time. Fees and charges may apply. Full details of these and the relevant terms and conditions are available on application. For further information and current interest rates and fees go to .au or contact us on 1300 307 807.
Summary of Reference Rates (Current Products)
Current Products Available (existing and new loans)
Standard Variable Home Loan Rate Residential Variable Rate Residential Variable Interest Only Rate Bendigo Investment Rate Bendigo Investment Interest Only Rate Bendigo Non-Individual Investment Rate Bendigo Non-Individual Investment Int Only Rate Bendigo Express Residential Variable Rate Bendigo Express Residential Variable Int Only Rate Bendigo Express Investment Rate Bendigo Express Investment Interest Only Rate
Interest Rate p.a.
8.23% 8.03% 8.44% 8.61% 9.06% 8.81% 9.26% 7.78% 8.19% 8.36% 8.81%
Obsolete Products (not available for new loans)
Bendigo Bank
Interest Rate p.a.
Bendigo Home Equity Loan Variable Rate Standard Home Equity Variable Rate Home Equity Investment Rate Residential Investment Rate Something Better Variable Home Loan Rate
8.83% 8.78% 9.31% 8.98% 7.93%
First Australian Building Society
Wipeout Variable Rate Standard Variable Rate Deposit Assistance Rate Deposit Assistance Equity Rate Credit Connection Rate
Interest Rate p.a.
8.13% 7.98% 9.08% 7.98% 18.78%
IOOF
Interest Rate p.a.
Fast Track Premium Rate Fast Track Advantage Rate Overdraft Rate
7.98% 7.42% 7.83%
The issuer of this document is Bendigo and Adelaide Bank Limited, The Bendigo Centre, Bendigo, VIC 3550 ABN 11 068 049 178 AFSL/Australian Credit Licence 237879. Subject to terms and conditions. Fees and charges apply. Full details of relevant terms and conditions, fees and charges are available on application. Bendigo and Adelaide Bank Limited, The Bendigo Centre, Bendigo Vic. 3550. ABN 11 068 049 178. AFSL/Australian Credit Licence. 237879. .au
V227
BEN50IN014 21/02/2023
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