The product selector results are a guide only based on the details entered. This is not a quote, credit approval or offer of credit. The results are not advice on how much you can or should borrow, which product you should choose, the product features or options, or about making extra payments. The results assume regular scheduled payments and that the interest rate does not change. Interest rates are subject to change except during a fixed rate period. The rates and repayment amounts do not include any monthly service fees or lenders mortgage insurance if applicable.
Bendigo and Adelaide Bank Limited (ABN 11 068 049 178, AFSL and Australian Credit Licence 237879) (“Bendigo Bank”) is the credit provider. Credit services are provided by Tiimely Pty Ltd (ABN 41 605 696 544 and Australian Credit Licence 496431) (“Tiimely”). Insurance Australia Limited trading as NRMA Insurance (ABN 11 000 016 722) (“IAL”) is a member of AFCA and does not hold an Australian Credit Licence. IAL may receive a commission from Bendigo and pay a commission to Tiimely if your loan application is approved.
NRMA Home Loans is brought to you by Insurance Australia Limited ABN 11 000 016 722, trading as NRMA Insurance, which is a separate and independent company from National Roads and Motorists' Association Limited ABN 77 000 010 506, trading as NRMA. NRMA provides Membership, the “My NRMA” app and other services.
Any advice and information contained in the Key Facts Sheet for NRMA Home Loans has been prepared by Bendigo and Adelaide Bank Limited without taking into account your individual objectives, financial situation or needs ("your personal circumstances"). For this reason, you should consider your personal circumstances, the appropriateness of the information and seek appropriate professional advice to determine if this product is right for you. Key Facts Sheet for NRMA Home Loans.
All lending interest rates are subject to change. Rates are for new lending and may differ for existing customers. Other fees and charges may be applicable and can be found on the Rates & Fees page.
Important information about comparison rates: The comparison rates displayed are calculated for a loan of $150,000 over 25 years. If a comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. If a comparison rate relates to an interest only loan with a fixed rate, the comparison rate has been calculated on the basis that the interest only period is the same duration as the fixed rate period. If a comparison rate relates to an interest only loan with a variable interest rate, the comparison rate has been calculated on the basis that the interest only period is 5 years. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. Other fees and charges may be applicable and can be found on the Rates & Fees page. All interest rates are current and are subject to change without notice.
Other fees and charges may be applicable and can be found on the Rates & Fees page.
Terms and conditions, fees and charges apply. All information is subject to change without notice. Full details available on application. Lending criteria apply. The Offset Account is available on the Offset Home Loan only for both fixed and variable products and must be linked to an eligible Home Loan account. The Offset Account product can only be linked to one eligible Home Loan account at any one time. Linked offset facility must be in the name of the customer name/number. Insurance Australia Limited is a member of AFCA. If you have a complaint about the home loan or offset account please refer to www.nrma.com.au/home-loans/complaints. Other fees and charges may apply and can be found at the Rates & Fees page. This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether the Offset Account product is right for you, please consider your personal circumstances and read the Offset Account Terms and Conditions to determine if this product is right for you. The Offset Account Terms and Conditions and Offset Account TMD are available from this website.
NRMA Home Loans Variable products recognised in Mozo Experts Choice Awards 2025 – more information on the awards research methodology at Mozo.
The LVR is inclusive of capitalised Lenders Mortgage Insurance (LMI). LVR is subject to LMI acceptability, location, and loan purpose.
NRMA Home Loans Variable Offset Home Loan (Owner-occupied, P&I) product recognised in Finder Product Awards 2026 – more information on the awards research methodology at Finder.
