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Bendigo Bank · Home loans
Non-Individual Residential Investment Loan (NIRIL)
Bendigo Bank's Non-Individual Residential Investment Loan (NIRIL) is a home loan. The figures are the ones Bendigo Bank publishes under the Consumer Data Right today. The advertised rate last moved on 17 June 2026, up from 6.54% to 6.64%.
Advertised rate
6.74%
headline tier
Comparison rate
7.11%
as published
Last moved
+0.10pp
17 June 2026
Advertised rate, last 30 days. Unchanged since 7 October 2026.
Every current rate (12)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Investor, P&I | 6.74% | 7.12% |
| Fixed 2 years, Investor, P&I | 6.74% | 7.11% |
| Variable, Investor, P&I | 6.83% | 7.13% |
| Fixed 1 year, Investor, Interest only | 6.84% | 7.21% |
| Fixed 2 years, Investor, Interest only | 6.84% | 7.20% |
| Fixed 3 years, Investor, P&I | 6.84% | 7.13% |
| Fixed 3 years, Investor, Interest only | 6.94% | 7.22% |
| Fixed 4 years, Investor, P&I | 6.94% | 7.17% |
| Fixed 5 years, Investor, P&I | 6.94% | 7.18% |
| Variable, Investor, Interest only | 6.94% | 7.16% |
| Fixed 4 years, Investor, Interest only | 7.04% | 7.25% |
| Fixed 5 years, Investor, Interest only | 7.04% | 7.26% |
Rate moves, last 30 days
- 7 October 2026: Variable, Investor, Interest only lifted 0.25pp, from 6.69% to 6.94%.
- 7 October 2026: Variable, Investor, P&I lifted 0.25pp, from 6.58% to 6.83%.
- 5 October 2026: Fixed 2 years, Investor, P&I lifted 0.05pp, from 6.69% to 6.74%.
- 5 October 2026: Fixed 2 years, Investor, Interest only lifted 0.05pp, from 6.79% to 6.84%.
- 5 October 2026: Fixed 1 year, Investor, P&I lifted 0.10pp, from 6.64% to 6.74%.
- 5 October 2026: Fixed 1 year, Investor, Interest only lifted 0.10pp, from 6.74% to 6.84%.
- 5 October 2026: Fixed 3 years, Investor, Interest only lifted 0.20pp, from 6.74% to 6.94%.
- 5 October 2026: Fixed 3 years, Investor, P&I lifted 0.20pp, from 6.64% to 6.84%.
- 5 October 2026: 4 tiers lifted 0.25pp; the lowest, Fixed 4 years, Investor, P&I, from 6.69% to 6.94%.
Published fees
| Fee | Amount |
|---|---|
| Search Processing Feeupfront: Payable for the bank to perform a title search or other searches relating to your application. | $50 |
| Valuation Feewhen it happens: The cost of having the security valued by a third party (this can vary depending upon the location and access available to the property). | see lender |
| Manual Redraw Feewhen it happens: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking | $0 |
| Online Redraw Feewhen it happens: Charged when completing a redraw online | $0 |
| Break Cost Fee and Prepayment Fee: A Break Cost Fee is payable to us each time any of the following break events occur during a fixed rate period: • at your request, we agree to vary your annual | see lender |
| Monthly Feerecurring | $20 |
| Discharge Administration Feeon exit | $350 |
| Variation Fee - Simplewhen it happens | $150 |
| Variation Fee - Complexwhen it happens | $300 |
| Building Loan Fee - Contract Builderupfront | $100 |
| Building Loan Fee - Owner Builderupfront | $200 |
| Guarantee Administration Feeupfront | $250 |
Other Bendigo Bank home loans
Bendigo Express Home Loan 6.14%Bendigo Easy Home Loan 6.34%Bendigo Complete Home Loan 6.39%Bendigo Flex Home Loan 6.39%Bendigo Flex Home Loan (Retail) 6.39%First Home Buyers (Bendigo Complete Home Loan) 6.43%Single Parents (Bendigo Complete Home Loan) 6.43%Bendigo Bridging Home Loan 10.54%
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