Bendigo BankSingle 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
At a glance
- Variable (owner occ. P&I)
- 6.43%6.65% comparison
- Fixed
- 1 yr 6.59%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.79%, 5 yrs 6.79%
- Max LVR
- 98%
- Annual fee
- $180
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.43% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 59th lowest of 104 |
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.59% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 36th lowest of 82, level with 6 others |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.59% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 35th lowest of 84, level with 7 others |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.69% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 36th lowest of 80, level with 6 others |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.79% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions | 19th lowest of 63, level with 9 others |
Rates
Every rate Bendigo Bank publishes for this home loan, 7 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%6.43%
- 1 yr fixedtypical 6.59%6.59%
- 2 yrs fixedtypical 6.62%6.59%
- 3 yrs fixedtypical 6.69%6.69%
- 4 yrs fixed6.79%
- 5 yrs fixedtypical 6.89%6.79%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied, P&I | 1 yr fixed | - | 6.59% | 6.67% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | - | 6.59% | 6.68% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | - | 6.69% | 6.73% | - |
| Fixed | Owner occupied, P&I | 4 yrs fixed | - | 6.79% | 6.79% | - |
| Fixed | Owner occupied, P&I | 5 yrs fixed | - | 6.79% | 6.81% | - |
| VariableConstruction Loans Only* | Owner occupied, Interest only | - | - | 6.43% | 6.65% | - |
| Variable | Owner occupied, P&I | - | - | 6.43% | 6.65% | - |
Rate changes
7 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 7 Oct 2026 | Variable, Owner occupied, Interest only | 6.18% | 6.43% | up 0.25 |
| 7 Oct 2026 | Variable, Owner occupied, P&I | 6.18% | 6.43% | up 0.25 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 6.49% | 6.59% | up 0.10 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed | 6.54% | 6.59% | up 0.05 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.49% | 6.69% | up 0.20 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed | 6.54% | 6.79% | up 0.25 |
| 5 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed | 6.54% | 6.79% | up 0.25 |
Each change is logged the night it appears in the rates Bendigo Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
22 fees published, grouped by when they're charged.
- When you take it outUp to $2507 fees, each listed below
- While you hold it$15 a monthMonthly Fee
- When you close it or pay it off$350Discharge Administration Fee
When you take it out7
- Application Fee
Incurred when you apply for a new loan, additional funds on your current loan or when changing your loan.
$150 - Building Loan Fee - Contract Builder$100
- Building Loan Fee - Owner Builder$200
- Documentation Fee
The cost of preparing the loan documents for your new loan or application. The amount varies based on the complexity of the loan application.
Varies - Guarantee Administration Fee$250
- Search Processing Fee
Payable for the bank to perform a title search or other searches relating to your application.
$50 - Settlement Fee
To process the settlement of your loan, additional funds on your current loan or when changing your loan.
$100
While you hold it1
- Monthly Fee$15 a month
When you make a transaction1
- Interest Prepayment Fee$85
When particular things happen10
- Agent Lodgement Fee
Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan
$125 - Bank Cheque Fee$10
- Default Fee$35
- Duplicate Fee$16.50
- Manual Redraw Fee
Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking
No fee - Online Redraw Fee
Charged when completing a redraw online
No fee - Rate Variation Fee (to renegotiate Rate)$100
- Repayment Recalculation Fee$50
- Variation Fee - Complex$300
- Variation Fee - Simple$150
When you close it or pay it off1
- Discharge Administration Fee$350
Other fees2
- Break Cost Fee and Prepayment Fee
A Break Cost Fee is payable to us each time any of the following break events occur during a fixed rate period: • at your request, we agree to vary your annual percentage rate; or • you repay your lo…
Varies - Valuation Fee
The cost of having the security valued by a third party (this can vary depending upon the location and access available to the property).
Varies
Features
- Weekly, fortnightly or monthly repayments
Eligibility and limits
- Minimum age 18
- Amount from $5,000, no maximum
- Maximum LVR 98%
- Credit and Lending Criteria, Fees and Charges Apply
- Check Eligibility Criteria for Scheme loans.
Compare it with others
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Published by Bendigo Bank under the Consumer Data Right, last changed by them on 7 Oct 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.