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Bendigo Complete Home Loan

The Bendigo Complete Home Loan offers a 100% offset account on both variable and fixed rates - allowing you to save interest

Home loansBank updated 7 Oct 2026
Apply at Bendigo Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Variable (owner occ. P&I)
6.39%6.61% comparison
Variable (investor P&I)
6.74%
Fixed
1 yr 6.59%, 2 yrs 6.59%, 3 yrs 6.69%, 4 yrs 6.79%, 5 yrs 6.79%
Max LVR
95%
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.

This home loan: 6.43%Every other institution's lowest, 103 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateThis home loanBest anywhereTypical institutionWhere it sits
Variable home loanOwner occupier, principal & interest, 80% LVR6.43%5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions59th lowest of 104
1-year fixed home loanOwner occupier, principal & interest, 80% LVR6.59%5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M6.59%of 82 institutions36th lowest of 82, level with 6 others
2-year fixed home loanOwner occupier, principal & interest, 80% LVR6.59%6.09%BankVic's Fixed Rate Home Loan - 2 years6.62%of 84 institutions35th lowest of 84, level with 7 others
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.69%6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions36th lowest of 80, level with 6 others
5-year fixed home loanOwner occupier, principal & interest, 80% LVR6.79%6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan6.89%of 63 institutions19th lowest of 63, level with 9 others
Investor variable home loanInvestment, principal & interest, 80% LVR6.83%5.94%AAA Financial Corporation's Portfolio Loan6.59%of 104 institutions74th lowest of 104

Rates

Every rate Bendigo Bank publishes for this home loan, 32 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

  1. Variabletypical 6.38%6.43%
  2. 1 yr fixedtypical 6.59%6.59%
  3. 2 yrs fixedtypical 6.62%6.59%
  4. 3 yrs fixedtypical 6.69%6.69%
  5. 4 yrs fixed6.79%
  6. 5 yrs fixedtypical 6.89%6.79%
This home loanTypical lender's best

Variable rate by LVR

Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value

  1. ≤60%6.39%
  2. 60–80%6.43%
  3. 80–90%6.49%
  4. 90–95%7.13%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
FixedInvestment, Interest only1 yr fixed-6.84%7.07%-
FixedInvestment, Interest only2 yrs fixed-6.84%7.06%-
FixedInvestment, Interest only3 yrs fixed-6.94%7.08%-
FixedInvestment, Interest only4 yrs fixed-7.04%7.12%-
FixedInvestment, Interest only5 yrs fixed-7.04%7.13%-
FixedInvestment, P&I1 yr fixed-6.74%7.04%-
FixedInvestment, P&I2 yrs fixed-6.74%7.03%-
FixedInvestment, P&I3 yrs fixed-6.84%7.05%-
FixedInvestment, P&I4 yrs fixed-6.94%7.09%-
FixedInvestment, P&I5 yrs fixed-6.94%7.10%-
FixedOwner occupied, Interest only1 yr fixed-7.09%7.07%-
FixedOwner occupied, Interest only2 yrs fixed-7.09%7.03%-
FixedOwner occupied, Interest only3 yrs fixed-7.19%7.02%-
FixedOwner occupied, Interest only4 yrs fixed-7.29%7.03%-
FixedOwner occupied, Interest only5 yrs fixed-7.29%7.01%-
FixedOwner occupied, P&I1 yr fixed-6.59%6.67%-
FixedOwner occupied, P&I2 yrs fixed-6.59%6.68%-
FixedOwner occupied, P&I3 yrs fixed-6.69%6.73%-
FixedOwner occupied, P&I4 yrs fixed-6.79%6.79%-
FixedOwner occupied, P&I5 yrs fixed-6.79%6.81%-
VariableInvestment, Interest only-≤60% LVR6.89%7.01%-
VariableInvestment, Interest only-60–80% LVR6.94%7.08%-
VariableInvestment, P&I-≤60% LVR6.74%6.96%-
VariableInvestment, P&I-60–80% LVR6.83%7.05%-
VariableInvestment, P&I-80–90% LVR6.93%7.15%-
VariableOwner occupied, Interest only-≤60% LVR7.53%7.10%-
VariableOwner occupied, Interest only-60–80% LVR7.53%7.12%-
VariableOwner occupied, Interest only-80–90% LVR8.03%7.38%-
VariableOwner occupied, P&I-≤60% LVR6.39%6.61%-
VariableOwner occupied, P&I-60–80% LVR6.43%6.65%-
VariableLVR 80.01 - 90%Owner occupied, P&I-80–90% LVR6.49%6.71%-
VariableOwner occupied, P&I-90–95% LVR7.13%7.35%-

Rate changes

32 changes logged, newest first.

DateRateWasNowChange
7 Oct 2026Variable, Investment, Interest only, ≤60% LVR6.64%6.89%up 0.25
7 Oct 2026Variable, Investment, Interest only, 60–80% LVR6.69%6.94%up 0.25
7 Oct 2026Variable, Investment, P&I, ≤60% LVR6.49%6.74%up 0.25
7 Oct 2026Variable, Investment, P&I, 60–80% LVR6.58%6.83%up 0.25
7 Oct 2026Variable, Investment, P&I, 80–90% LVR6.68%6.93%up 0.25
7 Oct 2026Variable, Owner occupied, Interest only, ≤60% LVR7.28%7.53%up 0.25
7 Oct 2026Variable, Owner occupied, Interest only, 60–80% LVR7.28%7.53%up 0.25
7 Oct 2026Variable, Owner occupied, Interest only, 80–90% LVR7.78%8.03%up 0.25
7 Oct 2026Variable, Owner occupied, P&I, ≤60% LVR6.14%6.39%up 0.25
7 Oct 2026Variable, Owner occupied, P&I, 60–80% LVR6.18%6.43%up 0.25
7 Oct 2026Variable, Owner occupied, P&I, 80–90% LVR6.24%6.49%up 0.25
7 Oct 2026Variable, Owner occupied, P&I, 90–95% LVR6.88%7.13%up 0.25
5 Oct 2026Fixed, Investment, Interest only, 1 yr fixed6.74%6.84%up 0.10
5 Oct 2026Fixed, Investment, Interest only, 2 yrs fixed6.79%6.84%up 0.05
5 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed6.74%6.94%up 0.20
5 Oct 2026Fixed, Investment, Interest only, 4 yrs fixed6.79%7.04%up 0.25
5 Oct 2026Fixed, Investment, Interest only, 5 yrs fixed6.79%7.04%up 0.25
5 Oct 2026Fixed, Investment, P&I, 1 yr fixed6.64%6.74%up 0.10
5 Oct 2026Fixed, Investment, P&I, 2 yrs fixed6.69%6.74%up 0.05
5 Oct 2026Fixed, Investment, P&I, 3 yrs fixed6.64%6.84%up 0.20
5 Oct 2026Fixed, Investment, P&I, 4 yrs fixed6.69%6.94%up 0.25
5 Oct 2026Fixed, Investment, P&I, 5 yrs fixed6.69%6.94%up 0.25
5 Oct 2026Fixed, Owner occupied, Interest only, 1 yr fixed6.99%7.09%up 0.10
5 Oct 2026Fixed, Owner occupied, Interest only, 2 yrs fixed7.04%7.09%up 0.05
5 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed6.99%7.19%up 0.20
5 Oct 2026Fixed, Owner occupied, Interest only, 4 yrs fixed7.04%7.29%up 0.25
5 Oct 2026Fixed, Owner occupied, Interest only, 5 yrs fixed7.04%7.29%up 0.25
5 Oct 2026Fixed, Owner occupied, P&I, 1 yr fixed6.49%6.59%up 0.10
5 Oct 2026Fixed, Owner occupied, P&I, 2 yrs fixed6.54%6.59%up 0.05
5 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed6.49%6.69%up 0.20
5 Oct 2026Fixed, Owner occupied, P&I, 4 yrs fixed6.54%6.79%up 0.25
5 Oct 2026Fixed, Owner occupied, P&I, 5 yrs fixed6.54%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

23 fees published, grouped by when they're charged.

  1. When you take it outUp to $2507 fees, each listed below
  2. While you hold it$15 a monthMonthly Fee
  3. 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 happen13

  • 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
  • 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
  • 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
  • Switch Loan Type Fee

    Fee is either $150 or $300 depending on whether the switch loan involves substituting one security for another.

    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
  • Variation Fee - Complex
    $300
  • Variation Fee - Simple
    $150

When you close it or pay it off1

  • Discharge Administration Fee
    $350

Features

Offset accountRedrawExtra repayments
  • Weekly, fortnightly or monthly repayments

Eligibility and limits

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

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.