Bendigo Bank
Single Parents (Bendigo Complete Home Loan)
Australian Government 5% Deposit Scheme - Single Parents mirrors the Bendigo Complete Home Loan offering a 100% offset account on both variable and fixed rates - allowing you to save interest. * Check Eligibility Criteria for Scheme Loans
Home loansBank updated 25 Aug 2026
At a glance
- Variable (owner occ. P&I)
- 6.18% · 6.40% comparison
- Fixed
- 1 yr 6.49% · 2 yrs 6.54% · 3 yrs 6.49% · 4 yrs 6.54% · 5 yrs 6.54%
- Max LVR
- 98%
- Annual fee
- $180
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 7
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied · P&I | 1 yr fixed | — | 6.49% | 6.44% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | — | 6.54% | 6.47% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | — | 6.49% | 6.49% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | — | 6.54% | 6.54% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | — | 6.54% | 6.56% | — |
| VariableConstruction Loans Only* | Owner occupied · Interest only | — | — | 6.18% | 6.40% | — |
| Variable | Owner occupied · P&I | — | — | 6.18% | 6.40% | — |
§ 02 — Fees · 14
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Bank Cheque Fee | Event | $10 | — | — |
| Default Fee | Event | $35 | — | — |
| Duplicate Fee | Event | $16.50 | — | — |
| Rate Variation Fee (to renegotiate Rate) | Event | $100 | — | — |
| Repayment Recalculation Fee | Event | $50 | — | — |
| Variation Fee - Complex | Event | $300 | — | — |
| Variation Fee - Simple | Event | $150 | — | — |
| Discharge Administration Fee | Exit | $350 | — | — |
| Interest Prepayment Fee | Payment | $85 | — | — |
| Monthly Fee | Periodic | $15 | Every 1 mo | — |
| Building Loan Fee - Contract Builder | Upfront | $100 | — | — |
| Building Loan Fee - Owner Builder | Upfront | $200 | — | — |
| Establishment Fee | Upfront | $784 | — | Incorporates all standard upfront fees into this amount (That is, Application Fee $150, Standard Documentation Fee $250, Settlement Fee $100, Title Search Fee $50, Standard Valuation Fee $234) |
| Guarantee Administration Fee | Upfront | $250 | — | — |
§ 03 — Features
Offset accountRedrawExtra repayments
- · Weekly, fortnightly or monthly repayments
§ 04 — Eligibility & limits
- · Minimum age 18
- · Amount $5,000 to no maximum
- · Maximum LVR 98%
- · Credit and Lending Criteria, Fees and Charges Apply
- · Check Eligibility Criteria for Scheme loans.
§ 06 — Run the numbers
Put this product through a calculator
Published by Bendigo Bank under the Consumer Data Right, last changed by them on 25 Aug 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.