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Home loan · Variable

Bendigo Complete Home Loan

Rate
Loan for
Repayments
Deposit

6.65%comparison rate p.a. · 6.43% advertised

Variable · P&I · Owner-occupier · 60–80% LVR

64th of 93 variable owner-occupier P&I loans

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The same choices at every rate type

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Offset account
Yes
Redraw
Yes
Extra repayments
Yes
Application fee
$150
Ongoing fee
$15 a month
Discharge fee
$350
Compare all 321 home loans
Compare Bendigo Complete side by side

Variable · P&I · Owner-occupier · ≤60% LVR
6.61% comparison · 6.39% advertised
Variable · P&I · Owner-occupier · 60–80% LVR
6.65% comparison · 6.43% advertised
Variable · P&I · Owner-occupier · 80–90% LVR
6.71% comparison · 6.49% advertised
Variable · P&I · Owner-occupier · 90–95% LVR
7.35% comparison · 7.13% advertised
Variable · Interest Only · Owner-occupier · ≤60% LVR
7.10% comparison · 7.53% advertised
Variable · Interest Only · Owner-occupier · 60–80% LVR
7.12% comparison · 7.53% advertised
Variable · Interest Only · Owner-occupier · 80–90% LVR
7.38% comparison · 8.03% advertised
Variable · P&I · Investor · ≤60% LVR
6.96% comparison · 6.74% advertised
Variable · P&I · Investor · 60–80% LVR
7.05% comparison · 6.83% advertised
Variable · P&I · Investor · 80–90% LVR
7.15% comparison · 6.93% advertised
Variable · Interest Only · Investor · ≤60% LVR
7.01% comparison · 6.89% advertised
Variable · Interest Only · Investor · 60–80% LVR
7.08% comparison · 6.94% advertised
1yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.67% comparison · 6.59% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
7.07% comparison · 7.09% advertised
1yr Fixed · P&I · Investor · ≤95% LVR
7.04% comparison · 6.74% advertised
1yr Fixed · Interest Only · Investor · ≤95% LVR
7.07% comparison · 6.84% advertised
2yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.68% comparison · 6.59% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
7.03% comparison · 7.09% advertised
2yr Fixed · P&I · Investor · ≤95% LVR
7.03% comparison · 6.74% advertised
2yr Fixed · Interest Only · Investor · ≤95% LVR
7.06% comparison · 6.84% advertised
3yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.73% comparison · 6.69% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
7.02% comparison · 7.19% advertised
3yr Fixed · P&I · Investor · ≤95% LVR
7.05% comparison · 6.84% advertised
3yr Fixed · Interest Only · Investor · ≤95% LVR
7.08% comparison · 6.94% advertised
4yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.79% comparison · 6.79% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
7.03% comparison · 7.29% advertised
4yr Fixed · P&I · Investor · ≤95% LVR
7.09% comparison · 6.94% advertised
4yr Fixed · Interest Only · Investor · ≤95% LVR
7.12% comparison · 7.04% advertised
5yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.81% comparison · 6.79% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
7.01% comparison · 7.29% advertised
5yr Fixed · P&I · Investor · ≤95% LVR
7.10% comparison · 6.94% advertised
5yr Fixed · Interest Only · Investor · ≤95% LVR
7.13% comparison · 7.04% advertised

Application fee
$150
Ongoing fee
$15 a month
Discharge fee
$350
Redraw fee
None

Offset account
Yes
Redraw
Yes
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$5,000

  • Bendigo Complete Home Loan · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00SepOctToday6.65% p.a. today

October 20262 changes

  1. 7Wed
    • 32 variants up 0.14 to 0.267 days after the RBA rise to 4.60%
      Variable · P&I · Owner-occupier · ≤60% LVR6.366.61+0.25
      Variable · P&I · Owner-occupier · 60–80% LVR6.406.65+0.25
      Variable · P&I · Owner-occupier · 80–90% LVR6.466.71+0.25
      Variable · P&I · Owner-occupier · 90–95% LVR7.107.35+0.25
      Variable · Interest Only · Owner-occupier · ≤60% LVR6.847.10+0.26
      Variable · Interest Only · Owner-occupier · 60–80% LVR6.877.12+0.25
      Variable · Interest Only · Owner-occupier · 80–90% LVR7.137.38+0.25
      Variable · P&I · Investor · ≤60% LVR6.716.96+0.25
      Variable · P&I · Investor · 60–80% LVR6.807.05+0.25
      Variable · P&I · Investor · 80–90% LVR6.907.15+0.25
      Variable · Interest Only · Investor · ≤60% LVR6.767.01+0.25
      Variable · Interest Only · Investor · 60–80% LVR6.837.08+0.25
      1yr Fixed · P&I · Owner-occupier · ≤95% LVR6.456.67+0.22
      1yr Fixed · Interest Only · Owner-occupier · ≤95% LVR6.857.07+0.22
      1yr Fixed · P&I · Investor · ≤95% LVR6.827.04+0.22
      1yr Fixed · Interest Only · Investor · ≤95% LVR6.857.07+0.22
      2yr Fixed · P&I · Owner-occupier · ≤95% LVR6.486.68+0.20
      2yr Fixed · Interest Only · Owner-occupier · ≤95% LVR6.837.03+0.20
      2yr Fixed · P&I · Investor · ≤95% LVR6.837.03+0.20
      2yr Fixed · Interest Only · Investor · ≤95% LVR6.867.06+0.20
      3yr Fixed · P&I · Owner-occupier · ≤95% LVR6.556.73+0.18
      3yr Fixed · Interest Only · Owner-occupier · ≤95% LVR6.847.02+0.18
      3yr Fixed · P&I · Investor · ≤95% LVR6.887.05+0.17
      3yr Fixed · Interest Only · Investor · ≤95% LVR6.907.08+0.18
      4yr Fixed · P&I · Owner-occupier · ≤95% LVR6.636.79+0.16
      4yr Fixed · Interest Only · Owner-occupier · ≤95% LVR6.877.03+0.16
      4yr Fixed · P&I · Investor · ≤95% LVR6.947.09+0.15
      4yr Fixed · Interest Only · Investor · ≤95% LVR6.967.12+0.16
      5yr Fixed · P&I · Owner-occupier · ≤95% LVR6.676.81+0.14
      5yr Fixed · Interest Only · Owner-occupier · ≤95% LVR6.877.01+0.14
      5yr Fixed · P&I · Investor · ≤95% LVR6.967.10+0.14
      5yr Fixed · Interest Only · Investor · ≤95% LVR6.997.13+0.14
      +0.14 to +0.26
  2. 5Mon
    • 20 variants up 0.01 to 0.115 days after the RBA rise to 4.60%
      All ≤95% LVR
      1yr Fixed · P&I · Owner-occupier6.446.45+0.01
      1yr Fixed · Interest Only · Owner-occupier6.846.85+0.01
      1yr Fixed · P&I · Investor6.816.82+0.01
      1yr Fixed · Interest Only · Investor6.846.85+0.01
      2yr Fixed · P&I · Owner-occupier6.476.48+0.01
      2yr Fixed · Interest Only · Owner-occupier6.826.83+0.01
      2yr Fixed · P&I · Investor6.826.83+0.01
      2yr Fixed · Interest Only · Investor6.856.86+0.01
      3yr Fixed · P&I · Owner-occupier6.496.55+0.06
      3yr Fixed · Interest Only · Owner-occupier6.786.84+0.06
      3yr Fixed · P&I · Investor6.826.88+0.06
      3yr Fixed · Interest Only · Investor6.856.90+0.05
      4yr Fixed · P&I · Owner-occupier6.546.63+0.09
      4yr Fixed · Interest Only · Owner-occupier6.786.87+0.09
      4yr Fixed · P&I · Investor6.846.94+0.10
      4yr Fixed · Interest Only · Investor6.876.96+0.09
      5yr Fixed · P&I · Owner-occupier6.566.67+0.11
      5yr Fixed · Interest Only · Owner-occupier6.766.87+0.11
      5yr Fixed · P&I · Investor6.856.96+0.11
      5yr Fixed · Interest Only · Investor6.886.99+0.11
      +0.01 to +0.11

The Bendigo Complete Home Loan offers a 100% offset account on both variable and fixed rates - allowing you to save interest

Also from Bendigo: Bendigo Express Home Loan 6.27% · Bendigo Easy Home Loan 6.40% · Bendigo Flex Home Loan (Retail) 6.63%

As of 2 November 2026, the Bendigo Complete Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.65% (6.43% advertised), ranking 64th of 93 variable owner-occupier P&I loans and sitting 0.07 points above the market average of 6.58%. The product comes in 32 variants; the others are investor, interest-only, fixed-rate and other LVR bands. Its rate last moved on 7 October 2026, 7 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.