act. variable home loan

Enjoy flexibility and a range of great features with an act. Residential Variable Home Loan.

Plus, every month you'll earn Impact Dollars in your connected Impact Account, which can be donated to any of the awesome social projects featured on our projects page.

backed by Bendigo

Interest rates

Loan Amount Interest Rate Comparison Rate1
Loans greater than $500,000 4.58% p.a. 4.76% p.a.
Loans between $250,000 and $499,999 4.68% p.a. 4.86% p.a.
Loans between $50,000 and $249,999 4.88% p.a. 5.06% p.a.
Loans less than $50,000 5.48% p.a. 5.65% p.a.

Account features

Value A competitive interest rate calculated daily and debited monthly
Choice Borrow for terms up to 30 years
Flexibility Choose weekly, fortnightly or monthly repayments
Payments Unlimited additional repayments
Redraw Access additional repayments using online redraw
Reduce Interest Save interest with an offset account linked to your loan
Lower Fees Receive a full transaction fee rebate on eligible accounts2
Insurance Free Home Insurance from date of contract to settlement (up to a maximum of 90 days) with the purchase of a Home and Contents Insurance policy
Borrow up to 95% of the property value (90% for vacant land)
Lenders Mortgage Insurance Not required if amount borrowed is less than 80% of the value of the property

Terms and conditions, fees and charges apply. All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.

1Important information about comparison rates: The comparison rates displayed are calculated for a loan amount of $150,000 over a 25 year loan term. All Fixed rates are calculated on the basis that they roll to the Residential Variable rate at the end of the initial term. All comparison rates are calculated with a nil offset balance.

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.

2Refer to the Schedule of Fees & Charges and Transaction Account Rebates for more information on Transaction Account Rebates and a list of eligible Transaction Accounts.

3Insurance provided by CGU Insurance Limited ABN 27 004 478 371 AFSL No. 238291.

This information does not take your personal objectives, financial situations or needs into account. You should consider its appropriateness to your circumstances before acting on this information. Please read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

act. is a division of Community Sector Banking Pty Ltd ABN 88 098 858 765 (Australian Financial Services authorised representative No. 265317 and Australian Credit authorised representative No. 379667). Community Sector Banking is a franchisee of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence No. 237879 and is a wholly owned subsidiary of Community Sector Enterprises Pty Ltd ABN 95 098 858 354. Community Sector Enterprises is a 50/50 joint venture between Bendigo and Adelaide Bank and Community 21 Limited ABN 79 097 612 416.

Banking products are products of Bendigo and Adelaide Bank.

Any information provided is of a general nature only and does not take into account your objectives, financial situation or needs. Before acting on this information, you should consider its appropriateness to your personal circumstances. You should read the applicable Disclosure Documents available online at before making any decision.

Terms, conditions, fees and charges apply. All loans subject to normal lending criteria.