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# Compare our home loans

##### Offset home loan

Interest rate
Variable (SmartFit)
Fixed 1 – 5 year terms (SmartFix)
Construction (LVR less than 90%)
Available for SmartFit only ($775 application fee applies)
Bridging finance
Available for existing customers only1 (additional fees apply)
Application fee
$299
Settlement fee
$199
Monthly administration fee
$15
Max LVR2
95% Owner Occupied Principal & Interest (inclusive of capitalised LMI)
90% Investor Principal & Interest (inclusive of capitalised LMI)
80% Interest Only
Loan amount
Minimum $10,000 (maximum varies depending on LMI provider)
Loan terms
5-30 years
100% offset
Available (on both fixed and variable)
Repayment options
Interest Only (up to 5 years) or Principal & Interest
Extra repayments
Unlimited for variable, up to $20,000 p.a. without penalty for fixed
Repayment frequency
Weekly, fortnightly or monthly
Redraw
Free to redraw online or via our app
Find out more Residential rates & fees

##### Basic home loan

Interest rate
Variable (SmartSaver)
Fixed 1 – 5 year terms (SmartSaver Fix)
Construction
Not available
Bridging finance
Not available
Application fee
$299
Settlement fee
$199
Monthly administration fee
No fee
Max LVR2
95% Owner Occupied Principal & Interest (inclusive of capitalised LMI)
90% Investor Principal & Interest (inclusive of capitalised LMI)
80% Interest Only
Loan amount
Minimum $10,000 (maximum varies depending on LMI provider)
Loan terms
5-30 years
100% offset
Not available
Repayment options
Interest Only (up to 5 years) or Principal & Interest
Extra repayments
Unlimited for variable, up to $20,000 p.a. without penalty for fixed
Repayment frequency
Weekly, fortnightly or monthly
Redraw
Free to redraw online or via our app
Find out more Residential rates & fees
1 Customers are considered 'existing' where a lending facility has been held > 3 months funded by Bendigo and Adelaide Bank
2 Subject to LMI acceptability, location and loan purpose

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Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

This website is for broker use only and any advice provided is of a general nature only. Information on this page can change without notice to you.
Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. GPO Box 1048, Adelaide SA 5001. Terms conditions and lending criteria apply.
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