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
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
6.19% PA
Comparison Rate
6.41%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: 6.23%, 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: Variable
  • Interest Rate: 6.38%, Comparison Rate 6.60%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001 PERCENT Maximum: 0.95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.28%, Comparison Rate 7.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.57%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 7.14%, Comparison Rate 6.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.6001 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.44%, Comparison Rate 6.97%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.64%, Comparison Rate 7.14%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.92%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.89%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.84%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.79%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 6.29%, Comparison Rate 6.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.6001 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.54%, Comparison Rate 6.76%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.69%, Comparison Rate 6.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.77%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.82%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 6.64%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.6001 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.69%, Comparison Rate 6.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.82%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.85%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Offset Additional Information: Up to six 100% Offset Accounts per loan
  • Redraw Additional Information: Online redraw available
  • Other Additional Information: Weekly, fortnightly or monthly repayments
  • Extra Repayments Additional Information: Unlimited additional repayments if variable, otherwise 20% of loan balance when fixed

 Product Eligibility

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

 Bank Fees and Charges

  • Search Processing Fee (Upfront), Amount: 50.000000. Additional Information: Payable for the bank to perform a title search or other searches relating to your application.
  • Valuation Fee (Event), Amount: Not Listed.. Additional Information: The cost of having the security valued by a third party (this can vary depending upon the location and access available to the property).
  • 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
  • Agent Lodgement Fee (Event), Amount: 125.000000. Additional Information: Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan
  • Break Cost Fee And Prepayment Fee (Event), Amount: Not Listed.. Additional Information: 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 loan account balance in full. A Prepayment Fee is payable to us if, during a fixed rate period, you prepay an amount (repay more than your required repayments) that exceeds 20% of: • if the fixed rate period started on the date we first advanced any part of the amount of credit, the amount of credit – in which case the prepayment amount is the amount you prepay during the fixed rate period less 20% of the amount of credit; or • if the fixed rate period started on a date after the date we first advanced any part of the amount of credit, the loan account balance at the start of the fixed rate period – in which case the prepayment amount is the amount you prepay less 20% of the loan account balance at the start of the fixed rate period.
  • Monthly Fee (Periodic), Amount: 15.000000.
  • Discharge Administration Fee (Exit), Amount: 350.000000.
  • Variation Fee - Simple (Event), Amount: 150.000000.
  • Variation Fee - Complex (Event), Amount: 300.000000.
  • Switch Loan Type Fee (Event), Amount: Not Listed.. Additional Information: Fee is either $150 or $300 depending on whether the switch loan involves substituting one security for another.
  • Building Loan Fee - Contract Builder (Upfront), Amount: 100.000000.
  • Building Loan Fee - Owner Builder (Upfront), Amount: 200.000000.
  • Guarantee Administration Fee (Upfront), Amount: 250.000000.
  • Rate Variation Fee (to Renegotiate Rate) (Event), Amount: 100.000000.
  • Repayment Recalculation Fee (Event), Amount: 50.000000.
  • Interest Prepayment Fee (Payment), Amount: 85.000000.
  • Default Fee (Event), Amount: 35.000000.
  • Duplicate Fee (Event), Amount: 16.500000.
  • Bank Cheque Fee (Event), Amount: 10.000000.
  • Application Fee (Upfront), Amount: 150.000000. Additional Information: Incurred when you apply for a new loan, additional funds on your current loan or when changing your loan.
  • Documentation Fee (Upfront), Amount: Not Listed.. Additional Information: The cost of preparing the loan documents for your new loan or application. The amount varies based on the complexity of the loan application.
  • Settlement Fee (Upfront), Amount: 100.000000. Additional Information: To process the settlement of your loan, additional funds on your current loan or when changing your loan.

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00
  • Max Lvr of 0.95

 Document Downloads

      home-loan-booklet.pdf (611 K)

      lending-fees-and-charges.pdf (114 K)