Home loan rates › Bendigo Bank
Non-Individual Residential Investment Loan (NIRIL)
Bendigo Bank
Where a customer is purchasing a residential investment loan and they are a non-trading corporate entity or a trust with a corporate trustee, the NIRIL might be the product for them, provided that they fit the criteria.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.84% | 7.21% | Fixed · 1 year · investment · interest only | Business customers | CDR | 1 Nov 2026 |
| 6.84% | 7.20% | Fixed · 2 years · investment · interest only | Business customers | CDR | 1 Nov 2026 |
| 6.94% | 7.22% | Fixed · 3 years · investment · interest only | Business customers | CDR | 1 Nov 2026 |
| 7.04% | 7.25% | Fixed · 4 years · investment · interest only | Business customers | CDR | 1 Nov 2026 |
| 7.04% | 7.26% | Fixed · 5 years · investment · interest only | Business customers | CDR | 1 Nov 2026 |
| 6.74% | 7.12% | Fixed · 1 year · investment · principal and interest | Business customers | CDR | 1 Nov 2026 |
| 6.74% | 7.11% | Fixed · 2 years · investment · principal and interest | Business customers | CDR | 1 Nov 2026 |
| 6.84% | 7.13% | Fixed · 3 years · investment · principal and interest | Business customers | CDR | 1 Nov 2026 |
| 6.94% | 7.17% | Fixed · 4 years · investment · principal and interest | Business customers | CDR | 1 Nov 2026 |
| 6.94% | 7.18% | Fixed · 5 years · investment · principal and interest | Business customers | CDR | 1 Nov 2026 |
| 6.94% | 7.16% | Variable · investment · interest only | Business customers | CDR | 1 Nov 2026 |
| 6.83% | 7.13% | Variable · investment · principal and interest | Business customers | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/a6f1c3e5-2753-49dc-a2ac-f69dbce7a9bd- Content hash
sha256 29daff2db3698501d1d6773bccf982f71e8f288fc396ff76cb74465db6f4e828- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_29daff2db3698501_b7bb5201Show details
- Checked
- 1 Nov 2026
- URL
https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/a6f1c3e5-2753-49dc-a2ac-f69dbce7a9bd- Content hash
sha256 29daff2db3698501d1d6773bccf982f71e8f288fc396ff76cb74465db6f4e828- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Search Processing Fee | Upfront | $50.00 |
| Valuation Fee | Event | Set in your letter of offer |
| Manual Redraw Fee | Event | $0.00 |
| Online Redraw Fee | Event | $0.00 |
| Break Cost Fee and Prepayment Fee | Other | Set in your letter of offer |
| Monthly Fee | Periodic | $20.00 |
| Discharge Administration Fee | Exit | $350.00 |
| Variation Fee - Simple | Event | $150.00 |
| Variation Fee - Complex | Event | $300.00 |
| Building Loan Fee - Contract Builder | Upfront | $100.00 |
| Building Loan Fee - Owner Builder | Upfront | $200.00 |
| Guarantee Administration Fee | Upfront | $250.00 |
| Rate Variation Fee (to renegotiate Rate) | Event | $100.00 |
| Repayment Recalculation Fee | Event | $50.00 |
| Interest Prepayment Fee | Payment | $85.00 |
| Default Fee | Event | $35.00 |
| Duplicate Fee | Event | $16.50 |
| Bank Cheque Fee | Event | $10.00 |
| Application Fee | Upfront | $150.00 |
| Documentation Fee | Upfront | Set in your letter of offer |
| Settlement Fee | Upfront | $100.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Online redraw available | |
| Other | Weekly, fortnightly or monthly repayments | |
| Extra repayments | Unlimited additional repayments if variable, otherwise 20% of loan balance when fixed | |
| Eligibility: min age | 18 | |
| Eligibility: other | Credit and Lending Criteria, Fees and Charges Apply | |
| Limit: min limit | 5000.00 | |
| Limit: max lvr | 0.8 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 4 years · investment · interest only | 1 Nov 2026 | Current | 7.04% | 7.25% |
| Fixed · 5 years · investment · interest only | 1 Nov 2026 | Current | 7.04% | 7.26% |
| Fixed · 5 years · investment · principal and interest | 1 Nov 2026 | Current | 6.94% | 7.18% |
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 6.83% | 7.13% |
| Fixed · 1 year · investment · interest only | 1 Nov 2026 | Current | 6.84% | 7.21% |
| Fixed · 1 year · investment · principal and interest | 1 Nov 2026 | Current | 6.74% | 7.12% |
| Fixed · 4 years · investment · principal and interest | 1 Nov 2026 | Current | 6.94% | 7.17% |
| Fixed · 3 years · investment · principal and interest | 1 Nov 2026 | Current | 6.84% | 7.13% |
| Fixed · 2 years · investment · interest only | 1 Nov 2026 | Current | 6.84% | 7.20% |
| Variable · investment · interest only | 1 Nov 2026 | Current | 6.94% | 7.16% |
| Fixed · 3 years · investment · interest only | 1 Nov 2026 | Current | 6.94% | 7.22% |
| Fixed · 2 years · investment · principal and interest | 1 Nov 2026 | Current | 6.74% | 7.11% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
segment:business | Business customers | Listed with business products, not personal ones |
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