Home loan rates › Bendigo Bank
First Home Buyers (Bendigo Complete Home Loan)
Bendigo Bank
Australian Government 5% Deposit Scheme - First Home Buyers 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
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 |
|---|---|---|---|---|---|
| 6.59% | 6.67% | Fixed · 1 year · owner occupied · principal and interest | First home buyers | CDR | 1 Nov 2026 |
| 6.59% | 6.68% | Fixed · 2 years · owner occupied · principal and interest | First home buyers | CDR | 1 Nov 2026 |
| 6.69% | 6.73% | Fixed · 3 years · owner occupied · principal and interest | First home buyers | CDR | 1 Nov 2026 |
| 6.79% | 6.79% | Fixed · 4 years · owner occupied · principal and interest | First home buyers | CDR | 1 Nov 2026 |
| 6.79% | 6.81% | Fixed · 5 years · owner occupied · principal and interest | First home buyers | CDR | 1 Nov 2026 |
| 6.43% | 6.65% | Variable · owner occupied · interest only | First home buyers | CDR | 1 Nov 2026 |
| 6.43% | 6.65% | Variable · owner occupied · principal and interest | First home buyers | 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.cdr.bendigobank.com.au/cds-au/v1/banking/products/226ef88a-2979-4608-9288-4357f9aaa26d- Content hash
sha256 03f52dce3f42fbcdec8b2c5f948def8d96a92b3160249734b057f895232d447e- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_03f52dce3f42fbcd_861ccecfShow details
- Checked
- 1 Nov 2026
- URL
https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/226ef88a-2979-4608-9288-4357f9aaa26d- Content hash
sha256 03f52dce3f42fbcdec8b2c5f948def8d96a92b3160249734b057f895232d447e- 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 |
|---|---|---|
| Search Processing Fee | Upfront | $50.00 |
| Valuation Fee | Event | Set in your letter of offer |
| Manual Redraw Fee | Event | $0.00 |
| Online Redraw Fee | Event | $0.00 |
| Agent Lodgement Fee | Event | $125.00 |
| Break Cost Fee and Prepayment Fee | Event | Set in your letter of offer |
| Monthly Fee | Periodic | $15.00 |
| Discharge Administration Fee | Exit | $350.00 |
| Variation Fee - Simple | Event | $150.00 |
| Variation Fee - Complex | Event | $300.00 |
| Building Loan Fee - Contract Builder | Upfront | $100.00 |
| Building Loan Fee - Owner Builder | Upfront | $200.00 |
| Guarantee Administration Fee | Upfront | $250.00 |
| Rate Variation Fee (to renegotiate Rate) | Event | $100.00 |
| Repayment Recalculation Fee | Event | $50.00 |
| Interest Prepayment Fee | Payment | $85.00 |
| Default Fee | Event | $35.00 |
| Duplicate Fee | Event | $16.50 |
| Bank Cheque Fee | Event | $10.00 |
| Application Fee | Upfront | $150.00 |
| Documentation Fee | Upfront | Set in your letter of offer |
| Settlement Fee | Upfront | $100.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | Up to six 100% Offset Accounts per loan | |
| Redraw | Online redraw available | |
| Other | Weekly, fortnightly or monthly repayments | |
| Extra repayments | Unlimited additional repayments if variable, otherwise 20% of loan balance when fixed | |
| Eligibility: min age | 18 | |
| Eligibility: other | Credit and Lending Criteria, Fees and Charges Apply | |
| Eligibility: other | Check Eligibility Criteria for Scheme loans. | |
| Limit: min limit | 5000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 2 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.59% | 6.68% |
| Fixed · 4 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.79% | 6.79% |
| Fixed · 1 year · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.59% | 6.67% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.43% | 6.65% |
| Fixed · 5 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.79% | 6.81% |
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.69% | 6.73% |
| Variable · owner occupied · interest only | 1 Nov 2026 | Current | 6.43% | 6.65% |
*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.
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:first-home-buyer | First home buyers | Filter; shown in the row |
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