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.
Category: Home Loans  Last Updated May 12, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
6.14% PA
Comparison Rate
6.34%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR
Minimum: 0.6001 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.18%, Comparison Rate 6.38%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.33%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.88%, Comparison Rate 7.08%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 7.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 7.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.66%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 7.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 7.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 7.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 7.28%, Comparison Rate 6.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.78%, Comparison Rate 7.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 6.73%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.60%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 6.80%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.68%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 6.89%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 6.96%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 6.19%, Comparison Rate 6.39%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.6001 PERCENT Maximum: 0.7 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.24%, Comparison Rate 6.44%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.7001 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.28%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.38%, Comparison Rate 6.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.66%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.85%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 6.39%, Comparison Rate 6.46%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.6001 PERCENT Maximum: 0.7 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.43%, Comparison Rate 6.51%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.7001 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.43%, Comparison Rate 6.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.58%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 6.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.60%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.76%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 6.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 6.88%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Offset Additional Information: Up to six 100% Offset Accounts per loan. Full offset if Variable or Fixed. Offsets for Bendigo Flex Home Loan must be in the same customer number as the home loan.
  • Redraw Additional Information: Manual & Online redraw available
  • Other Additional Information: Monthly repayments
  • Extra Repayments Additional Information: Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans

 Product Eligibility

  • Min Age - 18.
  • Other Additional Information: Credit and Lending Criteria, Fees and Charges Apply

 Bank Fees and Charges

  • Establishment Fee (Upfront), Amount: 299.000000.
  • Security Processing Fee (Upfront), Amount: 199.000000.
  • Monthly Service Fee (Periodic), Amount: 15.000000.
  • Bank Cheque Fee (Event), Amount: 10.000000.
  • Online Redraw Fee (Event), Amount: 0.000000. Additional Information: Charged when completing a redraw online
  • Manual Redraw Fee (Event), Amount: 0.000000. Additional Information: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking
  • Duplicate Fee (Event), Amount: 16.500000.
  • Default Fee (Event), Amount: 35.000000.
  • Variation Fee (Event), Amount: 250.000000.
  • Discharge Administration Fee (Exit), Amount: 350.000000.
  • Break Cost Fee (Other), Amount: Not Listed.. Additional Information: 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 Account balance in full; or • you make an additional repayment (by repaying more than your required repayments under your Contract) where the total of all additional repayments you have made since the start of the Fixed Rate Period or, if later, the anniversary of that date, that exceeds $20,000.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00
  • Max Lvr of 0.95