Single 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
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
6.23% PA
Comparison Rate
6.45%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..
  OWNER_OCCUPIED, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.51%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.57%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.23%
  • Lending Rate Type: Variable
  • Interest Rate: 6.23%, Comparison Rate 6.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied

 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
  • Other Additional Information: Check Eligibility Criteria for Scheme loans.

 Bank Fees and Charges

  • Monthly Fee (Periodic), Amount: 15.000000.
  • Discharge Administration Fee (Exit), Amount: 350.000000.
  • Establishment Fee (Upfront), Amount: 784.000000. Additional Information: Incorporates all standard upfront fees into this amount (That is, Application Fee $150, Standard Documentation Fee $250, Settlement Fee $100, Title Search Fee $50, Standard Valuation Fee $234)
  • Variation Fee - Simple (Event), Amount: 150.000000.
  • Variation Fee - Complex (Event), Amount: 300.000000.
  • 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.

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00
  • Max Lvr of 0.98

 Document Downloads

      home-loan-booklet.pdf (611 K)

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