As of 18 September 2026, the Bendigo Bendigo Complete Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.40% (6.18% advertised), ranking 47th of 107 variable owner-occupier P&I loans and sitting 0.36 points below the market average of 6.76%. The product comes in 32 variants; the others are investor, interest-only, fixed-rate and other LVR bands.
6.40%comparison rate p.a.
6.18% advertised · Variable · P&I · Owner-occupier · 60–80% LVR
31 other variants: investor, interest-only, fixed-rate and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 60–80% LVR- Bendigo Complete Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.36% comparison · 6.14% advertised
- Variable · P&I · Owner-occupier · 60–80% LVR
- 6.40% comparison · 6.18% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.46% comparison · 6.24% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.10% comparison · 6.88% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 6.84% comparison · 7.28% advertised
- Variable · Interest Only · Owner-occupier · 60–80% LVR
- 6.87% comparison · 7.28% advertised
- Variable · Interest Only · Owner-occupier · 80–90% LVR
- 7.13% comparison · 7.78% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.71% comparison · 6.49% advertised
- Variable · P&I · Investor · 60–80% LVR
- 6.80% comparison · 6.58% advertised
- Variable · P&I · Investor · 80–90% LVR
- 6.90% comparison · 6.68% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.76% comparison · 6.64% advertised
- Variable · Interest Only · Investor · 60–80% LVR
- 6.83% comparison · 6.69% advertised
- 1yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 6.44% comparison · 6.49% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
- 6.84% comparison · 6.99% advertised
- 1yr Fixed · P&I · Investor · ≤95% LVR
- 6.81% comparison · 6.64% advertised
- 1yr Fixed · Interest Only · Investor · ≤95% LVR
- 6.84% comparison · 6.74% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 6.47% comparison · 6.54% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
- 6.82% comparison · 7.04% advertised
- 2yr Fixed · P&I · Investor · ≤95% LVR
- 6.82% comparison · 6.69% advertised
- 2yr Fixed · Interest Only · Investor · ≤95% LVR
- 6.85% comparison · 6.79% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 6.49% comparison · 6.49% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
- 6.78% comparison · 6.99% advertised
- 3yr Fixed · P&I · Investor · ≤95% LVR
- 6.82% comparison · 6.64% advertised
- 3yr Fixed · Interest Only · Investor · ≤95% LVR
- 6.85% comparison · 6.74% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 6.54% comparison · 6.54% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
- 6.78% comparison · 7.04% advertised
- 4yr Fixed · P&I · Investor · ≤95% LVR
- 6.84% comparison · 6.69% advertised
- 4yr Fixed · Interest Only · Investor · ≤95% LVR
- 6.87% comparison · 6.79% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤95% LVR
- 6.56% comparison · 6.54% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
- 6.76% comparison · 7.04% advertised
- 5yr Fixed · P&I · Investor · ≤95% LVR
- 6.85% comparison · 6.69% advertised
- 5yr Fixed · Interest Only · Investor · ≤95% LVR
- 6.88% comparison · 6.79% advertised
Fees
Headline variant- Application fee
- $150
- Ongoing fee
- $15 a month
- Discharge fee
- $350
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $5,000
About this product
The Bendigo Complete Home Loan offers a 100% offset account on both variable and fixed rates - allowing you to save interest