Bendigo Bank home loans come from Bendigo and Adelaide Bank Limited, an ASX-listed bank founded on the Bendigo goldfields in 1858 and still headquartered in Bendigo, Victoria. APRA regulates it as an authorised deposit-taking institution, it has a reputation for its Community Bank model, and it is also a participating lender in the Australian Government 5% Deposit Scheme.
This page is a factual profile to help borrowers understand who Bendigo Bank is and where its home loans may fit. However, it is not a rating, a ranking or a recommendation.
Bendigo Bank at a Glance
| Item | Detail |
|---|---|
| Lender type | Bank (authorised deposit-taking institution) |
| Owned by | Bendigo and Adelaide Bank Limited, an ASX-listed company (code BEN) |
| Founded or established | 1858, as a building society in Bendigo |
| Headquarters (city) | Bendigo, Victoria |
| Regulated by | APRA as an ADI (Bendigo and Adelaide Bank Limited appears on the APRA register) |
| Listed on the ASX | Yes, as BEN |
| Home loans for | Owner-occupiers, first home buyers, investors, borrowers building a home and refinancers |
Ownership and History of Bendigo Bank
Bendigo Bank began on 9 July 1858 as a land and building society formed by around 150 people on the Bendigo goldfields. It grew through mergers with other building societies and, as the Reserve Bank Governor noted at its 150th anniversary, took a banking licence in the 1990s to become the bank it is today.
Above all, people know the bank for its Community Bank model, under which local communities operate branches in partnership with the bank and share in the profits. Bendigo Bank says the model returns money to local projects across Australia, and the Reserve Bank has also described it as an innovative response to communities’ demand for banking services.
In 2007 Bendigo Bank merged with Adelaide Bank to form Bendigo and Adelaide Bank Limited, which trades on the ASX under the code BEN. The group’s corporate site states that its headquarters remain at The Bendigo Centre in Bendigo, Victoria, and it serves customers through an Australia-wide branch network, digital channels and mortgage brokers.
Where Bendigo Bank Home Loans May Suit
Based on publicly available information, Bendigo Bank home loans may be worth comparing for:
- First home buyers with a small deposit. In particular, Bendigo Bank is on the official list of participating lenders for the Australian Government 5% Deposit Scheme, and its Flex Home Loan can lend up to 95% of the property value for eligible owner-occupiers paying principal and interest (lenders mortgage insurance may apply). See our first home loans page.
- Borrowers who want offset on a fixed rate. For example, the Flex Home Loan offers 100% offset on both fixed and variable portions, with up to six offset accounts per loan.
- Borrowers building a home. Bendigo Bank offers construction loans with progress payments to the builder as each stage completes, so you only pay interest on funds drawn.
- Investors. Bendigo Bank also offers investment property loans with principal and interest or interest-only repayments.
- Refinancers. For example, Bendigo designed its Express Home Loan for online refinancing of owner-occupied properties, while its Easy Home Loan is a simple low-fee option.
- People who want to bank with a branch-based lender that is also available through brokers.
Home Loan Types Bendigo Bank Offers
Public sources confirm that Bendigo Bank offers the following. Product names and features change, so we check current details when you apply:
- Owner-occupied home loans (Flex, Easy, Express and Complete products)
- Investment property loans
- Construction loans with progress payments
- First home buyer loans, including loans under the Australian Government 5% Deposit Scheme
- Refinancing, including an online refinance product
- Variable and fixed rates, with principal and interest or interest-only repayments
- 100% offset accounts and free redraw on eligible loans
Getting a Bendigo Bank Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare Bendigo Bank with the other lenders on our panel.
Shannon Ingram, our principal broker, compares Bendigo Bank with the rest of the panel against your deposit, income, property and goals, then explains the options in plain English. We work from Bangor, NSW, serve the Sutherland Shire, and also help borrowers across Australia by phone and video.
In the meantime, to see current Bendigo Bank products, use the lender filter in our comparison tool. When you are ready, contact us for a free, no-obligation chat about whether Bendigo Bank or another lender is the better fit.
Bendigo Bank Home Loan FAQs
Yes. APRA regulates Bendigo and Adelaide Bank Limited as an authorised deposit-taking institution, and its shares also trade on the ASX under the code BEN.
Bendigo Bank is a brand of Bendigo and Adelaide Bank Limited, a publicly listed company formed when Bendigo Bank and Adelaide Bank merged in 2007. Its head office is still in Bendigo, Victoria.
Yes. Housing Australia publishes the official list of participating lenders, and Bendigo Bank appears on it. However, eligibility criteria apply to government schemes.
Yes. Bendigo Bank offers construction loans that release funds to your builder in stages as the build progresses, so you only pay interest on the money drawn.
Yes. Bendigo Bank has a dedicated broker channel, and it is also one of the lenders on the Ingram Financial panel.
Ingram Financial has no ownership ties to Bendigo Bank. Bendigo Bank is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.