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2.09% (2.92% CR) P.A. Owner Occupied 2yr Fixed Home Loan with 100% Offset @ Bendigo Bank

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Make a difference with your local community! Our profits at the community appointed banks go back to the community so banking with us will make a real difference. Amazing direct customer service! Beneficial products! Contact Jo at Bendigo Bank 0738018336.

Fast turn around time. Quick pre-approvals!

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Bendigo Bank
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closed Comments

  •  

    So your telling me your company put $192.8 million into communities in 2020?

    •  

      Hi please have a read regarding our community branches! https://www.bendigobank.com.au/community/

      • -3 votes

        All the big companies that pay tax support local communities. Every tax payer supports local communities without even realising it.

        •  

          They would also do this on top of their other initiatives right?

  • +2 votes

    We recently signed up for 3yr fixed with Bendigo Bank due to the 100% offset account, we know we will be making significantly more payments than the minimum per month and the offset account allows us to do this without break fees getting involved.

  •  

    they part own tictoc.com.au loans which is cheaper than this lol

    • +1 vote

      Probably similar to how Telstra own Boost but is more Telstra service is more expensive.
      They have an off-shoot online-only company that is more targeted at millennials and is cheaper due to less overhead but doesn't have to same level of customer service or familiarity of brick and mortar stores.

    •  

      Can you point me to where they part own TicToc? My understanding was that while Bendigo and Adelaide Bank are funders for TicToc (similar to Well Home Loans and others who are funded by Bendigo/Adelaide) and are partners using TicToc technology, I've not seen anything that indicates they actually own a stake in TicToc.

      •  

        Brokers HATE when the banks undercut them by going direct to home owner so it's not yelled about or brokers will protest by not writing loans to the mother bank.

        the info is out there, pay for the share registry if you wish.

      • +1 vote

        Our loans are funded by the good folk at Bendigo and Adelaide Bank, who are long-time friends of the business (and a shareholder). With a Tic:Toc home loan, you become a Tic:Toc customer.

        • +1 vote

          Thanks! Always interested as to who has a stake in who :) I missed that on their about page when I was looking at TicToc last time.

  •  

    Bank Australia 1.95% fixed for 3 yrs for <60%LVR including full offset account. OO or Inv.

  •  

    This seems like a great offer for a brick-and-mortar bank but little love from the Ozbargain community, what am I missing?

    •  

      It's a great offer for brick and mortar but not a great offer overall.

      I am on 1.89% fixed with a 100% offset. That extra 0.1% over the life of the loan is significant savings.

      •  

        Through who If you don't mind me asking?

      •  

        Interested to know as well. Tic toc?

        •  

          Yeah it was tictoc. Really easy to deal with And set up the morgatge.

          •  

            @Yawhae: Thanks Yawhae. Just checking this was the 2 year fixed?

  • +3 votes

    We went with Bendigo on this product (though a few months back at 2.19) because:

    1- LVR just on 80% meant we weren't able to get the headline rates at the time
    2- 100% Offset allows savings to do that little bit extra work.
    3- It was a construction loan which allowed us to…build.

    There were other products that were cheaper but we would have potentially just miss out on valuation depending on how conservative they were and we would have missed out on those little bits from the offset.

    Happy with it overall, even if the timing of things was a little skin of our teeth because the loan manager was chaotic good.

  •  

    Do you offer any incentives (e.g. waiving or covering application fees etc.) for people to refinance from another bank to Bendigo?