Bendigo Flex Home Loan (Retail)

For customers who want flexibility to pay down their loan sooner and access additional features such as up to 6 offset accounts.

Home loansBank updated 16 Sept 2026

Product page ↗Fees & pricing ↗

At a glance

Variable (owner occ. P&I): 6.14% · 6.34% comparison
Variable (investor P&I): 6.19%
Fixed: 1 yr 6.49% · 2 yrs 6.54% · 3 yrs 6.49% · 4 yrs 6.54% · 5 yrs 6.54%
Max LVR: 95%
Annual fee: $180
Features: offset, redraw, extra repayments

§ 01 — Rates · 59

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	Investment · Interest only	1 yr fixed	≤80% LVR	6.74%	6.53%	—
Fixed	Investment · Interest only	1 yr fixed	80–90% LVR	7.04%	6.65%	—
Fixed	Investment · Interest only	2 yrs fixed	≤80% LVR	6.79%	6.58%	—
Fixed	Investment · Interest only	2 yrs fixed	80–90% LVR	7.09%	6.72%	—
Fixed	Investment · Interest only	3 yrs fixed	≤80% LVR	6.74%	6.60%	—
Fixed	Investment · Interest only	3 yrs fixed	80–90% LVR	7.04%	6.76%	—
Fixed	Investment · Interest only	4 yrs fixed	≤80% LVR	6.79%	6.65%	—
Fixed	Investment · Interest only	4 yrs fixed	80–90% LVR	7.09%	6.83%	—
Fixed	Investment · Interest only	5 yrs fixed	≤80% LVR	6.79%	6.69%	—
Fixed	Investment · Interest only	5 yrs fixed	80–90% LVR	7.09%	6.88%	—
Fixed	Investment · P&I	1 yr fixed	≤80% LVR	6.64%	6.52%	—
Fixed	Investment · P&I	1 yr fixed	80–90% LVR	6.94%	6.64%	—
Fixed	Investment · P&I	2 yrs fixed	≤80% LVR	6.69%	6.56%	—
Fixed	Investment · P&I	2 yrs fixed	80–90% LVR	6.99%	6.70%	—
Fixed	Investment · P&I	3 yrs fixed	≤80% LVR	6.64%	6.59%	—
Fixed	Investment · P&I	3 yrs fixed	80–90% LVR	6.94%	6.74%	—
Fixed	Investment · P&I	4 yrs fixed	≤80% LVR	6.69%	6.63%	—
Fixed	Investment · P&I	4 yrs fixed	80–90% LVR	6.99%	6.81%	—
Fixed	Investment · P&I	5 yrs fixed	≤80% LVR	6.69%	6.66%	—
Fixed	Investment · P&I	5 yrs fixed	80–90% LVR	6.99%	6.85%	—
Fixed	Owner occupied · Interest only	1 yr fixed	≤80% LVR	6.99%	6.46%	—
Fixed	Owner occupied · Interest only	1 yr fixed	80–90% LVR	7.29%	6.55%	—
Fixed	Owner occupied · Interest only	2 yrs fixed	≤80% LVR	7.04%	6.55%	—
Fixed	Owner occupied · Interest only	2 yrs fixed	80–90% LVR	7.34%	6.65%	—
Fixed	Owner occupied · Interest only	3 yrs fixed	≤80% LVR	6.99%	6.60%	—
Fixed	Owner occupied · Interest only	3 yrs fixed	80–90% LVR	7.29%	6.73%	—
Fixed	Owner occupied · Interest only	4 yrs fixed	≤80% LVR	7.04%	6.68%	—
Fixed	Owner occupied · Interest only	4 yrs fixed	80–90% LVR	7.34%	6.83%	—
Fixed	Owner occupied · Interest only	5 yrs fixed	≤80% LVR	7.04%	6.74%	—
Fixed	Owner occupied · Interest only	5 yrs fixed	80–90% LVR	7.34%	6.91%	—
Fixed	Owner occupied · P&I	1 yr fixed	≤80% LVR	6.49%	6.41%	—
Fixed	Owner occupied · P&I	1 yr fixed	80–90% LVR	6.79%	6.50%	—
Fixed	Owner occupied · P&I	1 yr fixed	90–95% LVR	6.99%	7.09%	—
Fixed	Owner occupied · P&I	2 yrs fixed	≤80% LVR	6.54%	6.45%	—
Fixed	Owner occupied · P&I	2 yrs fixed	80–90% LVR	6.84%	6.56%	—
Fixed	Owner occupied · P&I	2 yrs fixed	90–95% LVR	7.04%	7.11%	—
Fixed	Owner occupied · P&I	3 yrs fixed	≤80% LVR	6.49%	6.47%	—
Fixed	Owner occupied · P&I	3 yrs fixed	80–90% LVR	6.79%	6.60%	—
Fixed	Owner occupied · P&I	3 yrs fixed	90–95% LVR	6.99%	7.11%	—
Fixed	Owner occupied · P&I	4 yrs fixed	≤80% LVR	6.54%	6.51%	—
Fixed	Owner occupied · P&I	4 yrs fixed	80–90% LVR	6.84%	6.66%	—
Fixed	Owner occupied · P&I	4 yrs fixed	90–95% LVR	7.04%	7.14%	—
Fixed	Owner occupied · P&I	5 yrs fixed	≤80% LVR	6.54%	6.54%	—
Fixed	Owner occupied · P&I	5 yrs fixed	80–90% LVR	6.84%	6.71%	—
Fixed	Owner occupied · P&I	5 yrs fixed	90–95% LVR	7.04%	7.15%	—
Variable	Investment · Interest only	—	≤60% LVR	6.34%	6.44%	—
Variable	Investment · Interest only	—	60–70% LVR	6.39%	6.49%	—
Variable	Investment · Interest only	—	70–80% LVR	6.39%	6.51%	—
Variable	Investment · Interest only	—	80–90% LVR	6.58%	6.65%	—
Variable	Investment · P&I	—	≤60% LVR	6.19%	6.39%	—
Variable	Investment · P&I	—	60–70% LVR	6.24%	6.44%	—
Variable	Investment · P&I	—	70–80% LVR	6.28%	6.48%	—
Variable	Investment · P&I	—	80–90% LVR	6.38%	6.58%	—
Variable	Owner occupied · Interest only	—	≤80% LVR	7.28%	6.85%	—
Variable	Owner occupied · Interest only	—	80–90% LVR	7.78%	7.11%	—
Variable	Owner occupied · P&I	—	≤60% LVR	6.14%	6.34%	—
Variable	Owner occupied · P&I	—	60–80% LVR	6.18%	6.38%	—
Variable	Owner occupied · P&I	—	80–90% LVR	6.24%	6.44%	—
Variable	Owner occupied · P&I	—	90–95% LVR	6.88%	7.08%	—

§ 02 — Fees · 11

Fee	Type	Amount	When	Notes
Bank Cheque Fee	Event	$10	—	—
Default Fee	Event	$35	—	—
Duplicate Fee	Event	$16.50	—	—
Manual Redraw Fee	Event	No fee	—	Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking
Online Redraw Fee	Event	No fee	—	Charged when completing a redraw online
Variation Fee	Event	$250	—	—
Discharge Administration Fee	Exit	$350	—	—
Break Cost Fee	Other	Varies	—	Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under your Contract; • you repay your Loan Accou…
Monthly Service Fee	Periodic	$15	Every 1 mo	—
Establishment Fee	Upfront	$299	—	—
Security Processing Fee	Upfront	$199	—	—

§ 03 — Features

Offset accountRedrawExtra repayments

· Monthly repayments

§ 04 — Eligibility & limits

· Minimum age 18
· Amount $5,000 to no maximum
· Maximum LVR 95%
· Credit and Lending Criteria, Fees and Charges Apply

§ 05 — Compare

All home loans →Other Bendigo Bank home loans Everything Bendigo Bank publishes

§ 06 — Run the numbers

Put this product through a calculator

Repayment calculator

What a rate costs per month over the life of the loan.

Borrowing power

How much a bank will lend on your income and expenses.

Published by Bendigo Bank under the Consumer Data Right, last changed by them on 16 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.