RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 3.9%  

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New Vision Financial Services
Call us on 1300 422 506
Home Loan Variable: 5.89% (5.80%*) • Home Loan Fixed: 6.09% (6.08%*) • Fixed: 6.09% (6.08%*) • Variable: 5.89% (5.80%*) • Investment IO: 6.13% (6.33%*) • Investment PI: 6.04% (5.95%*)

  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 July 16, 2026  Effective August 19, 2026

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
6.09% PA
Comparison Rate
6.11%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 usually vary based on the LVR and other conditions..
  LVR
Minimum: 0.6001000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.13%, Comparison Rate 6.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.18%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.26%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.29%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.23%, Comparison Rate 6.62%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.23%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.31%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.36%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.50%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.6000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.14%, Comparison Rate 6.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.6001000000000000 PERCENT Maximum: 0.7000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.19%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.7001000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.23%, Comparison Rate 6.25%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.28%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.32%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.6000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.29%, Comparison Rate 6.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.6001000000000000 PERCENT Maximum: 0.7000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.34%, Comparison Rate 6.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.7001000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.34%, Comparison Rate 6.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.34%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.36%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.41%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.44%
  • 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: Not Listed..
  • Security Processing Fee (Upfront), Amount: Not Listed..
  • Monthly Service Fee (Periodic), Amount: Not Listed.. Additional Information: This fee is charged to cover the regular administration and servicing required for your loan
  • Bank Cheque Fee (Event), Amount: Not Listed..
  • Online Redraw Fee (Event), Amount: Not Listed.. Additional Information: Charged when completing a redraw online
  • Manual Redraw Fee (Event), Amount: Not Listed.. Additional Information: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking
  • Duplicate Fee (Event), Amount: Not Listed..
  • Default Fee (Event), Amount: Not Listed..
  • Variation Fee (Event), Amount: Not Listed..
  • Discharge Administration Fee (Exit), Amount: Not Listed..
  • Break Cost Fee (Other), 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

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New Vision Financial Services