Variable
Express Home Loan Variable
- Optional offset
- Free extra repayments and redraw
Current rate: published on Bendigo Bank's own rate card
Tier-2 bank
Bendigo and Adelaide Bank
BendigoFounded 1858Australian Credit Licence 237879
Bendigo Bank at a glance
Bendigo and Adelaide Bank is a bank outside the big four. It offers home loans and equipment finance.
On APRA’s August 2026 figures, Bendigo and Adelaide Bank Limited held $64.4 billion of home loans on its Australian books: 2.6% of the housing lending by the deposit-taking institutions APRA reports, the 7th largest of the 64 with home loans.
- Lender type
- Tier-2 bank
- Bank or non-bank
- Authorised deposit-taking institution (Bendigo and Adelaide Bank Limited)
- Credit licence
- ACL 237879, Bendigo and Adelaide Bank Limited
- Lends
- Home loans, Equipment finance
- Headquarters
- Bendigo
Strengths
- Community Bank model with local branch ownership
- Strong agribusiness and regional presence
- Up Bank for digital-first customers
Watch out for
- Headline rates rarely the cheapest
- Variable product range narrower than majors
Bendigo Bank loans and products
What Bendigo Bank offers in each category, with the features, eligibility and trade-offs we note. For the current rate on each product, follow the link to Bendigo Bank’s own rate card.
Bendigo Bank home loans
Compare home loans lenders →Fixed 2yr
Fixed 2 Years
- Fixed term certainty
Current rate: published on Bendigo Bank's own rate card
Bendigo Bank equipment finance
Compare equipment finance lenders →Chattel mortgage
Equipment Loan
- 100% finance, often with no deposit
- You own the asset
- Optional balloon payment
- Vehicles, machinery, manufacturing, printing and medical equipment
Eligibility
- Current ABN
- Business based, registered and operating in Australia
Finance lease
Finance Lease
- Bendigo Bank buys and owns the asset and leases it to you
- 100% finance; deposits not permitted
- Mandatory residual at the end of the term
- You can offer to buy the asset at the end
Eligibility
- Current ABN
- Business based, registered and operating in Australia
Alternatives to Bendigo Bank
Other lenders in our directory that offer home loans, equipment finance, starting with other tier-2 bank lenders.
- Bank of QueenslandTier-2 bank · Home loans, Equipment finance
- ING AustraliaTier-2 bank · Home loans, Car loans, Personal loans, Business loans
- Macquarie BankTier-2 bank · Home loans, Business loans
- ME BankTier-2 bank · Home loans
- Australia and New Zealand Banking GroupMajor bank · Home loans, Car loans, Business loans, Equipment finance, Personal loans
- BankSAMajor-bank brand · Home loans, Car loans, Business loans, Equipment finance, Personal loans
More on Bendigo Bank
- Bendigo Bank home loans in detail
Connect Package, Express variable, fixed 1 to 5 years. Where Bendigo competes, the community-bank positioning, and the practical rate honesty.
Bendigo Bank: frequently asked questions
Is Bendigo Bank a bank?
Yes. Bendigo Bank’s loans are provided by Bendigo and Adelaide Bank Limited, which is on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959.
What is Bendigo Bank’s credit licence number?
Bendigo and Adelaide Bank Limited holds Australian Credit Licence 237879, the licence Bendigo Bank operates under. You can check a licence on ASIC’s Professional Registers before you apply.