Bendigo Bank
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 10 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 6.14% · 6.36% comparison
- Variable (investor P&I)
- 6.49%
- 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 · 32
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · Interest only | 1 yr fixed | — | 6.74% | 6.84% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | — | 6.79% | 6.85% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | — | 6.74% | 6.85% | — |
| Fixed | Investment · Interest only | 4 yrs fixed | — | 6.79% | 6.87% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | — | 6.79% | 6.88% | — |
| Fixed | Investment · P&I | 1 yr fixed | — | 6.64% | 6.81% | — |
| Fixed | Investment · P&I | 2 yrs fixed | — | 6.69% | 6.82% | — |
| Fixed | Investment · P&I | 3 yrs fixed | — | 6.64% | 6.82% | — |
| Fixed | Investment · P&I | 4 yrs fixed | — | 6.69% | 6.84% | — |
| Fixed | Investment · P&I | 5 yrs fixed | — | 6.69% | 6.85% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | — | 6.99% | 6.84% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | — | 7.04% | 6.82% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | — | 6.99% | 6.78% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | — | 7.04% | 6.78% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | — | 7.04% | 6.76% | — |
| 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% | — |
| Variable | Investment · Interest only | — | ≤60% LVR | 6.64% | 6.76% | — |
| Variable | Investment · Interest only | — | 60–80% LVR | 6.69% | 6.83% | — |
| Variable | Investment · P&I | — | ≤60% LVR | 6.49% | 6.71% | — |
| Variable | Investment · P&I | — | 60–80% LVR | 6.58% | 6.80% | — |
| Variable | Investment · P&I | — | 80–90% LVR | 6.68% | 6.90% | — |
| Variable | Owner occupied · Interest only | — | ≤60% LVR | 7.28% | 6.84% | — |
| Variable | Owner occupied · Interest only | — | 60–80% LVR | 7.28% | 6.87% | — |
| Variable | Owner occupied · Interest only | — | 80–90% LVR | 7.78% | 7.13% | — |
| Variable | Owner occupied · P&I | — | ≤60% LVR | 6.14% | 6.36% | — |
| Variable | Owner occupied · P&I | — | 60–80% LVR | 6.18% | 6.40% | — |
| VariableLVR 80.01 - 90% | Owner occupied · P&I | — | 80–90% LVR | 6.24% | 6.46% | — |
| Variable | Owner occupied · P&I | — | 90–95% LVR | 6.88% | 7.10% | — |
§ 02 — Fees · 23
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Agent Lodgement Fee | Event | $125 | — | Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan |
| Bank Cheque Fee | Event | $10 | — | — |
| Break Cost Fee and Prepayment Fee | Event | Varies | — | 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… |
| 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 |
| Rate Variation Fee (to renegotiate Rate) | Event | $100 | — | — |
| Repayment Recalculation Fee | Event | $50 | — | — |
| Switch Loan Type Fee | Event | Varies | — | Fee is either $150 or $300 depending on whether the switch loan involves substituting one security for another. |
| Valuation Fee | Event | Varies | — | The cost of having the security valued by a third party (this can vary depending upon the location and access available to the property). |
| 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 | — |
| Application Fee | Upfront | $150 | — | Incurred when you apply for a new loan, additional funds on your current loan or when changing your loan. |
| Building Loan Fee - Contract Builder | Upfront | $100 | — | — |
| Building Loan Fee - Owner Builder | Upfront | $200 | — | — |
| Documentation Fee | Upfront | Varies | — | The cost of preparing the loan documents for your new loan or application. The amount varies based on the complexity of the loan application. |
| Guarantee Administration Fee | Upfront | $250 | — | — |
| Search Processing Fee | Upfront | $50 | — | Payable for the bank to perform a title search or other searches relating to your application. |
| Settlement Fee | Upfront | $100 | — | To process the settlement of your loan, additional funds on your current loan or when changing your loan. |
§ 03 — Features
Offset accountRedrawExtra repayments
- · Weekly, fortnightly or 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
§ 06 — Run the numbers
Put this product through a calculator
Published by Bendigo Bank under the Consumer Data Right, last changed by them on 10 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.