For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees (MSF).
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.74% | 6.61% | Fixed · 1 year · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.74% | 6.62% | Fixed · 2 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.84% | 6.67% | Fixed · 3 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.94% | 6.72% | Fixed · 4 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.94% | 6.75% | Fixed · 5 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.60% | Fixed · 1 year · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.60% | Fixed · 2 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.74% | 6.64% | Fixed · 3 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.84% | 6.69% | Fixed · 4 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.84% | 6.71% | Fixed · 5 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.99% | 6.37% | Fixed · 1 year · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.99% | 6.43% | Fixed · 2 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.52% | Fixed · 3 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.19% | 6.62% | Fixed · 4 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.19% | 6.68% | Fixed · 5 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.49% | 6.32% | Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.49% | 6.33% | Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.59% | 6.38% | Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.44% | Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.47% | Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.77% | 6.63% | Variable · investment · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.77% | 6.63% | Variable · investment · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.84% | 6.70% | Variable · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.84% | 6.70% | Variable · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.52% | 6.53% | Variable · investment · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.52% | 6.53% | Variable · investment · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.59% | 6.59% | Variable · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.59% | 6.59% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.32% | 6.69% | Variable · owner occupied · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.32% | 6.69% | Variable · owner occupied · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.39% | 6.77% | Variable · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.39% | 6.77% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.20% | 6.21% | Variable · owner occupied · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.20% | 6.21% | Variable · owner occupied · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.29% | 6.30% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.29% | 6.30% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.tiimely.app.bendigobank.com.au/cds-au/v1/banking/products/4faad27c-8cea-44d1-89d0-f6351abafa5e- Content hash
sha256 6c04ad3218c9b8b58ff2998f9891e601dadd2123ce3e81910ee7453f0d00240e- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_6c04ad3218c9b8b5_94929e88Show details
- Checked
- 1 Nov 2026
- URL
https://api.tiimely.app.bendigobank.com.au/cds-au/v1/banking/products/4faad27c-8cea-44d1-89d0-f6351abafa5e- Content hash
sha256 6c04ad3218c9b8b58ff2998f9891e601dadd2123ce3e81910ee7453f0d00240e- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee | Upfront | $0.00 |
| Application Fee | Upfront | $0.00 |
| Security Processing Fee | Upfront | $0.00 |
| Settlement Service Fee | Upfront | $0.00 |
| Monthly Service Fee | Periodic | $0.00 |
| Bank Cheque Fee | Event | $10.00 |
| Online Redraw Fee | Event | $0.00 |
| Manual Redraw Fee | Event | $0.00 |
| Duplicate Fee | Event | $16.50 |
| Default Fee | Event | $35.00 |
| Variation Fee | Event | $250.00 |
| Discharge Administration Fee | Exit | $350.00 |
| Break Cost Fee | Other | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Manual & Online redraw available | |
| Other | Monthly repayments only | |
| Extra repayments | Unlimited additional repayments if variable, Max $20,000 per fixed term year without penalty. | |
| Eligibility: min age | 18 | |
| Eligibility: other | Credit and Lending Criteria, Fees and Charges Apply | |
| Limit: min limit | 150000.00 | |
| Limit: max lvr | 0.8 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.69% | 6.44% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.59% | 6.59% |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.74% | 6.64% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.29% | 6.30% |
| Fixed · 3 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.84% | 6.67% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.84% | 6.70% |
| Variable · owner occupied · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 6.20% | 6.21% |
| Variable · investment · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 6.52% | 6.53% |
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.64% | 6.60% |
| Variable · investment · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 6.52% | 6.53% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.39% | 6.77% |
| Variable · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 7.39% | 6.77% |
| Fixed · 3 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.09% | 6.52% |
| Fixed · 4 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.84% | 6.69% |
| Variable · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.84% | 6.70% |
| Fixed · 1 year · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.64% | 6.60% |
| Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.19% | 6.68% |
| Variable · owner occupied · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 6.20% | 6.21% |
| Fixed · 1 year · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.74% | 6.61% |
| Fixed · 1 year · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 6.37% |
| Fixed · 5 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.94% | 6.75% |
| Fixed · 5 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.84% | 6.71% |
| Fixed · 4 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.94% | 6.72% |
| Fixed · 2 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.74% | 6.62% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.59% | 6.59% |
| Fixed · 4 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.19% | 6.62% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.29% | 6.30% |
| Variable · owner occupied · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 7.32% | 6.69% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.49% | 6.32% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.59% | 6.38% |
| Variable · owner occupied · interest only · LVR 50% or less | 1 Nov 2026 | Current | 7.32% | 6.69% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.49% | 6.33% |
| Variable · investment · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 6.77% | 6.63% |
| Variable · investment · interest only · LVR 50% or less | 1 Nov 2026 | Current | 6.77% | 6.63% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.69% | 6.47% |
| Fixed · 2 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.99% | 6.43% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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