Bendigo is a major regional city in central Victoria. We help first home buyers, people moving from the city, refinancers and investors find the right loan across a broad lender panel — by phone or video, with no fee to you in most cases.
Bendigo (SA3), September 2026
Cotality Home Value Index
Median is just above the cap
Under the Australian Government 5% Deposit Scheme, eligible first home buyers can buy with a 5% deposit and no lenders mortgage insurance, as long as the price is within the cap for the postcode. For most of Bendigo that cap is $650,000.
At the median value of $657,872, a 5% deposit is about $32,894, before stamp duty, legal and other upfront costs.
In Victoria, eligible first home buyers pay no land transfer (stamp) duty on a home valued up to $600,000, and a reduced amount between $600,001 and $750,000. The $10,000 First Home Owner Grant may also apply if you buy or build a brand-new home valued at $750,000 or less.
Borrowing power, deposit, the 5% Deposit Scheme, stamp duty concessions and grants — all worked out before you start inspecting.
Relocating from Sydney or Melbourne? We line up pre-approval around your new job or remote-work setup, so you can buy with confidence.
We compare your current loan against our panel, factor in break costs and fees, and structure investment loans for Bendigo properties.
Tell us your goals, income and budget. We'll explain what you could borrow and what support applies to you.
We match you to a lender that suits Bendigo properties, check valuation coverage, and handle the paperwork with e-signatures.
We work with your agent and conveyancer and keep you updated until the keys are yours.
We help buyers across Bendigo, Golden Square, Kangaroo Flat, Strathfieldsaye, Epsom and surrounds.
Yes. We handle everything by phone, video call and e-signature, so you don't need to visit an office. Our lender panel lends across regional Australia, and we check each lender's valuation coverage and policy for Bendigo before we recommend one.
Most of Bendigo falls under the Victorian "other areas" cap (outside Melbourne and Geelong), which is $650,000. The median Bendigo dwelling value ($657,872) is just above that cap, but many Bendigo homes sell below it. Always confirm the cap for your exact postcode with Housing Australia's postcode tool.
In Victoria, eligible first home buyers pay no land transfer (stamp) duty on a home valued up to $600,000, and a reduced amount between $600,001 and $750,000. Eligibility rules apply, including living in the home.
Usually not for standard homes in Bendigo's main suburbs. Rural-residential, acreage and very small-town properties can face lower maximum LVRs or tighter valuation rules, which is why we check policy before you make an offer.
In most cases there is no fee to you — we are paid commission by the lender after your loan settles. If a fee ever applies, we set it out in writing before we submit your application. Full details are in our Credit Guide.
Send us a few details and we'll call you back, usually the same business day.
Phone: 0415 353 927
Email: info@vvadvisory.com.au
General information only, not financial or credit advice; it does not take your objectives, financial situation or needs into account. Eligibility for the 5% Deposit Scheme, stamp duty concessions and grants depends on your circumstances and the rules in place when you buy. Lending criteria, fees and charges apply. Median values: Cotality Home Value Index, Bendigo (SA3), September 2026. Scheme caps: Housing Australia — check your postcode before you buy. Stamp duty: State Revenue Office Victoria. Grants: State Revenue Office Victoria.