RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Billions Capital
Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  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 December 18, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.28% PA
Comparison Rate
5.38%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 vary based on the LVR and other conditions..
  LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.38%, Comparison Rate 5.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.33%, Comparison Rate 5.39%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.28%, Comparison Rate 5.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.53%, Comparison Rate 5.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.83%, Comparison Rate 5.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.78%, Comparison Rate 5.57%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 6.48%, Comparison Rate 5.86%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 5.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 5.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.03%, Comparison Rate 5.57%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.33%, Comparison Rate 5.73%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.28%, Comparison Rate 5.77%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 5.39%, Comparison Rate 5.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.44%, Comparison Rate 5.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.48%, Comparison Rate 5.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.53%, Comparison Rate 5.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.48%, Comparison Rate 5.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.73%, Comparison Rate 5.57%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.03%, Comparison Rate 5.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.98%, Comparison Rate 5.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 5.59%, Comparison Rate 5.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 60.01 PERCENT Maximum: 70 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.63%, Comparison Rate 5.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 5.63%, Comparison Rate 5.56%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.63%, Comparison Rate 5.51%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.58%, Comparison Rate 5.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 5.83%, Comparison Rate 5.59%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.13%, Comparison Rate 5.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.08%, Comparison Rate 5.75%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

Product Features

  • Redraw Additional Information: Manual & Online redraw available
  • Other Additional Information: Monthly repayments only
  • Extra Repayments Additional Information: Variable - Unlimited Fixed - $20,000 per Fixed Term year

Product Eligibility

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

Bank Fees and Charges

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

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00
  • Max Lvr of 0.8

■ ■ ■

 
Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)
748B Pennant Hills Rd Carlingford NSW 2118
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The 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, and those rates and products shown will not necessarily be suitable or available. Full terms and conditions will be included in our loan offer. Fees and charges may be payable. Interest rates are subject to change. Some offers and cashbacks do not apply to internal refinances and are only available from certain lenders with qualifying criteria. The information provided on this website (or in any related materials, communications, or tools) is of a general nature only and does not take into account your personal objectives, financial situation, or needs. While we aim to provide helpful and accurate information, it should not be considered financial advice or a substitute for professional consultation. We recommend that you seek personalised advice before making any financial or lending decisions. Please contact us to discuss your specific circumstances and goals. The information provided in our posts, videos, comments, and shared content is for general information purposes only and does not constitute personal financial advice. All views expressed are our own and do not necessarily reflect those of our aggregator, lender partners, or any associated entities. Any examples or scenarios used are illustrative only. Any testimonials or reviews are individual experiences and do not guarantee future outcomes. Social Disclaimer. This page/advertisement is not affiliated with, endorsed by, or sponsored by Facebook®, Meta®, Instagram®, LinkedIn®, YouTube®, Google®, or any of their associated companies. Facebook® and Instagram® are trademarks of Meta Platforms, Inc. LinkedIn® is a trademark of LinkedIn Corporation. YouTube® and Google® are trademarks of Google LLC.

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