For customers who want flexibility to pay down their loan sooner and access additional features such as up to 6 offset accounts.
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 |
|---|---|---|---|---|---|
| 6.84% | 6.74% | Fixed · 1 year · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.14% | 6.86% | Fixed · 1 year · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.84% | 6.76% | Fixed · 2 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.14% | 6.90% | Fixed · 2 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.94% | 6.82% | Fixed · 3 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.98% | Fixed · 3 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.04% | 6.88% | Fixed · 4 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.34% | 7.06% | Fixed · 4 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.04% | 6.92% | Fixed · 5 years · investment · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.34% | 7.11% | Fixed · 5 years · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.74% | 6.73% | Fixed · 1 year · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.85% | Fixed · 1 year · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.74% | 6.75% | Fixed · 2 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.89% | Fixed · 2 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.84% | 6.80% | Fixed · 3 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.14% | 6.96% | Fixed · 3 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.94% | 6.86% | Fixed · 4 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.24% | 7.04% | Fixed · 4 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.94% | 6.89% | Fixed · 5 years · investment · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.24% | 7.08% | Fixed · 5 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.09% | 6.67% | Fixed · 1 year · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.39% | 6.76% | Fixed · 1 year · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.09% | 6.73% | Fixed · 2 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.39% | 6.84% | Fixed · 2 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.19% | 6.82% | Fixed · 3 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.49% | 6.95% | Fixed · 3 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.29% | 6.91% | Fixed · 4 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.59% | 7.06% | Fixed · 4 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.29% | 6.97% | Fixed · 5 years · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.59% | 7.14% | Fixed · 5 years · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.59% | 6.63% | Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.89% | 6.71% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.09% | 7.30% | Fixed · 1 year · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 6.59% | 6.64% | Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.89% | 6.75% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.09% | 7.30% | Fixed · 2 years · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 6.69% | 6.68% | Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 6.99% | 6.81% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.19% | 7.32% | Fixed · 3 years · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 6.79% | 6.74% | Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.89% | Fixed · 4 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.29% | 7.37% | Fixed · 4 years · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 6.79% | 6.77% | Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.94% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.29% | 7.38% | Fixed · 5 years · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 | |
| 6.59% | 6.67% | Variable · investment · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.72% | Variable · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.64% | 6.74% | Variable · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.83% | 6.88% | Variable · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.44% | 6.62% | Variable · investment · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.49% | 6.67% | Variable · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.53% | 6.71% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.63% | 6.81% | Variable · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.53% | 7.08% | Variable · owner occupied · interest only · LVR 80% or less | CDR | 1 Nov 2026 | |
| 8.03% | 7.34% | Variable · owner occupied · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.39% | 6.57% | Variable · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.43% | 6.61% | Variable · owner occupied · principal and interest · LVR 60%–80% | CDR | 1 Nov 2026 | |
| 6.49% | 6.67% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.13% | 7.30% | Variable · owner occupied · principal and interest · LVR 90%–95% | 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/7a5853d0-6ef4-4c90-9e22-1c091c0de69d- Content hash
sha256 f22fac4d5e029eb4e13dc5592f5d3af09e7f638166c46c654730263e87b6b666- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_f22fac4d5e029eb4_7619e394Show details
- Checked
- 1 Nov 2026
- URL
https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/7a5853d0-6ef4-4c90-9e22-1c091c0de69d- Content hash
sha256 f22fac4d5e029eb4e13dc5592f5d3af09e7f638166c46c654730263e87b6b666- 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 | $299.00 |
| Security Processing Fee | Upfront | $199.00 |
| Monthly Service Fee | Periodic | $15.00 |
| 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 | Event | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | 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. | |
| Redraw | Manual & Online redraw available | |
| Other | Monthly repayments | |
| Extra repayments | Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans | |
| Eligibility: min age | 18 | |
| Eligibility: other | Credit and Lending Criteria, Fees and Charges Apply | |
| Limit: min limit | 5000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.44% | 6.62% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 6.94% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.19% | 7.32% |
| Fixed · 4 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.29% | 6.91% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.89% | 6.75% |
| Variable · investment · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.59% | 6.67% |
| Fixed · 2 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.09% | 6.73% |
| Fixed · 5 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.94% | 6.89% |
| Fixed · 3 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.19% | 6.82% |
| Fixed · 1 year · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.84% | 6.74% |
| Fixed · 1 year · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.74% | 6.73% |
| Fixed · 5 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.59% | 7.14% |
| Fixed · 4 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.04% | 6.88% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.89% | 6.71% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.59% | 6.64% |
| Fixed · 3 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.14% | 6.96% |
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 6.83% | 6.88% |
| Fixed · 4 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.24% | 7.04% |
| Fixed · 2 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.84% | 6.76% |
| Variable · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.13% | 7.30% |
| Variable · owner occupied · principal and interest · LVR 60%–80% | 1 Nov 2026 | Current | 6.43% | 6.61% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.59% | 6.63% |
| Fixed · 1 year · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.04% | 6.85% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.99% | 6.81% |
| Fixed · 1 year · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.39% | 6.76% |
| Variable · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.64% | 6.72% |
| Fixed · 4 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.94% | 6.86% |
| Variable · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.39% | 6.57% |
| Fixed · 1 year · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.14% | 6.86% |
| Fixed · 2 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.04% | 6.89% |
| Fixed · 4 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.34% | 7.06% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.29% | 7.37% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.79% | 6.74% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.29% | 7.38% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.53% | 6.71% |
| Fixed · 5 years · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.29% | 6.97% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.74% |
| Fixed · 5 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.04% | 6.92% |
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.74% | 6.75% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.09% | 7.30% |
| Fixed · 1 year · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.09% | 6.67% |
| Fixed · 2 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.39% | 6.84% |
| Fixed · 4 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.59% | 7.06% |
| Variable · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 8.03% | 7.34% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.79% | 6.77% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.69% | 6.68% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.49% | 6.67% |
| Fixed · 5 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.24% | 7.08% |
| Variable · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.63% | 6.81% |
| Fixed · 3 years · investment · interest only · LVR 80% or less | 1 Nov 2026 | Current | 6.94% | 6.82% |
| Fixed · 5 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.34% | 7.11% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.09% | 7.30% |
| Fixed · 2 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.14% | 6.90% |
| Variable · owner occupied · interest only · LVR 80% or less | 1 Nov 2026 | Current | 7.53% | 7.08% |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 6.84% | 6.80% |
| Fixed · 3 years · owner occupied · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.49% | 6.95% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.09% | 6.89% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.49% | 6.67% |
| Fixed · 3 years · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.24% | 6.98% |
*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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