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 September 19, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information LVR < 80.01%
Interest Rate 5.54% PA
Comparison Rate 6.23%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, VARIABLE, 6.19%
Lending Rate Type: Variable
Interest Rate: 6.19%, Comparison Rate 6.36%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, VARIABLE, 6.44%
Lending Rate Type: Variable
Interest Rate: 6.44%, Comparison Rate 6.60%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, VARIABLE, 6.99%
Lending Rate Type: Variable
Interest Rate: 6.99%, Comparison Rate 7.15%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.84%
Lending Rate Type: Fixed
Interest Rate: 5.84%, Comparison Rate 6.32%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.04%
Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 6.56%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.04%
Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 7.05%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.54%
Lending Rate Type: Fixed
Interest Rate: 5.54%, Comparison Rate 6.23%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.74%
Lending Rate Type: Fixed
Interest Rate: 5.74%, Comparison Rate 6.47%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.74%
Lending Rate Type: Fixed
Interest Rate: 5.74%, Comparison Rate 6.90%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.04%
Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 6.31%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.55%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.93%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.04%
Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 6.30%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.53%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.87%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.04%
Lending Rate Type: Fixed
Interest Rate: 6.04%, Comparison Rate 6.29%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.52%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.24%
Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.82%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, VARIABLE, 7.23%
Lending Rate Type: Variable
Interest Rate: 7.23%, Comparison Rate 6.79%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, VARIABLE, 7.73%
Lending Rate Type: Variable
Interest Rate: 7.73%, Comparison Rate 7.16%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.79%
Lending Rate Type: Fixed
Interest Rate: 6.79%, Comparison Rate 6.42%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.99%
Lending Rate Type: Fixed
Interest Rate: 6.99%, Comparison Rate 6.66%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.49%
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.41%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.69%
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.65%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.45%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.74%
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.68%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.47%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.74%
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.70%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.49%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 6.74%
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.72%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied
INVESTMENT, VARIABLE, 6.24%
Lending Rate Type: Variable
Interest Rate: 6.24%, Comparison Rate 6.41%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.29%
Lending Rate Type: Variable
Interest Rate: 6.29%, Comparison Rate 6.46%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.54%
Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.70%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.64%
Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.84%
Lending Rate Type: Fixed
Interest Rate: 6.84%, Comparison Rate 6.74%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.34%
Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.47%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.54%
Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.70%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.39%
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.48%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.59%
Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.72%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.39%
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.59%
Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.72%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.39%
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.50%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.59%
Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.73%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.44%
Lending Rate Type: Variable
Interest Rate: 6.44%, Comparison Rate 6.48%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.54%
Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.55%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, VARIABLE, 7.19%
Lending Rate Type: Variable
Interest Rate: 7.19%, Comparison Rate 6.98%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.74%
Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.50%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.94%
Lending Rate Type: Fixed
Interest Rate: 6.94%, Comparison Rate 6.74%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.44%
Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.48%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.64%
Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.72%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.49%
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.50%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.69%
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.74%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.49%
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.52%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.69%
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.75%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.49%
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.53%
Repayment Type: Interest Only
Loan Purpose: Investment
INVESTMENT, FIXED, 6.69%
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 6.76%
Repayment Type: Interest Only
Loan Purpose: Investment
Product Features
OffsetAdditional 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.
RedrawAdditional Information: Manual & Online redraw available
OtherAdditional Information: Monthly repayments
OtherAdditional Information: Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans
Product Eligibility
Min Age - 18.
OtherAdditional Information: Credit and Lending Criteria, Fees and Charges Apply
Bank Fees and Charges
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
Break Cost Fee (Variable), 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.
