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Bendigo · Home loan · Variable

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Bendigo Flex Home Loan

As of 18 September 2026, the Bendigo Bendigo Flex Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.36% (6.18% advertised), ranking 43rd of 107 variable owner-occupier P&I loans and sitting 0.40 points below the market average of 6.76%. The product comes in 59 variants; the others are investor, interest-only, fixed-rate and other LVR bands.

6.36%comparison rate p.a.

6.18% advertised · Variable · P&I · Owner-occupier · 60–80% LVR

58 other variants: investor, interest-only, fixed-rate and other LVR bands below.

Go to Bendigo

Rate over time

Comparison rate · Variable · P&I · Owner-occupier · 60–80% LVR
  • Bendigo Flex Home Loan · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
4.005.006.007.00Today6.36% p.a. today

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
6.32% comparison · 6.14% advertised
Variable · P&I · Owner-occupier · 60–80% LVR
6.36% comparison · 6.18% advertised
Variable · P&I · Owner-occupier · 80–90% LVR
6.42% comparison · 6.24% advertised
Variable · P&I · Owner-occupier · 90–95% LVR
7.06% comparison · 6.88% advertised
Variable · Interest Only · Owner-occupier · ≤80% LVR
6.83% comparison · 7.28% advertised
Variable · Interest Only · Owner-occupier · 80–90% LVR
7.08% comparison · 7.78% advertised
Variable · P&I · Investor · ≤60% LVR
6.37% comparison · 6.19% advertised
Variable · P&I · Investor · 60–70% LVR
6.42% comparison · 6.24% advertised
Variable · P&I · Investor · 70–80% LVR
6.46% comparison · 6.28% advertised
Variable · P&I · Investor · 80–90% LVR
6.56% comparison · 6.38% advertised
Variable · Interest Only · Investor · ≤60% LVR
6.42% comparison · 6.34% advertised
Variable · Interest Only · Investor · 60–70% LVR
6.47% comparison · 6.39% advertised
Variable · Interest Only · Investor · 70–80% LVR
6.49% comparison · 6.39% advertised
Variable · Interest Only · Investor · 80–90% LVR
6.63% comparison · 6.58% advertised
1yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.39% comparison · 6.49% advertised
1yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.48% comparison · 6.79% advertised
1yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.07% comparison · 6.99% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.44% comparison · 6.99% advertised
1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
6.53% comparison · 7.29% advertised
1yr Fixed · P&I · Investor · ≤80% LVR
6.50% comparison · 6.64% advertised
1yr Fixed · P&I · Investor · 80–90% LVR
6.62% comparison · 6.94% advertised
1yr Fixed · Interest Only · Investor · ≤80% LVR
6.50% comparison · 6.74% advertised
1yr Fixed · Interest Only · Investor · 80–90% LVR
6.63% comparison · 7.04% advertised
2yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.43% comparison · 6.54% advertised
2yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.54% comparison · 6.84% advertised
2yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.09% comparison · 7.04% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.52% comparison · 7.04% advertised
2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
6.63% comparison · 7.34% advertised
2yr Fixed · P&I · Investor · ≤80% LVR
6.54% comparison · 6.69% advertised
2yr Fixed · P&I · Investor · 80–90% LVR
6.68% comparison · 6.99% advertised
2yr Fixed · Interest Only · Investor · ≤80% LVR
6.55% comparison · 6.79% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR
6.69% comparison · 7.09% advertised
3yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.45% comparison · 6.49% advertised
3yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.58% comparison · 6.79% advertised
3yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.09% comparison · 6.99% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.58% comparison · 6.99% advertised
3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
6.71% comparison · 7.29% advertised
3yr Fixed · P&I · Investor · ≤80% LVR
6.56% comparison · 6.64% advertised
3yr Fixed · P&I · Investor · 80–90% LVR
6.72% comparison · 6.94% advertised
3yr Fixed · Interest Only · Investor · ≤80% LVR
6.58% comparison · 6.74% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR
6.74% comparison · 7.04% advertised
4yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.49% comparison · 6.54% advertised
4yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.64% comparison · 6.84% advertised
4yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.12% comparison · 7.04% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.66% comparison · 7.04% advertised
4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
6.81% comparison · 7.34% advertised
4yr Fixed · P&I · Investor · ≤80% LVR
6.61% comparison · 6.69% advertised
4yr Fixed · P&I · Investor · 80–90% LVR
6.79% comparison · 6.99% advertised
4yr Fixed · Interest Only · Investor · ≤80% LVR
6.63% comparison · 6.79% advertised
4yr Fixed · Interest Only · Investor · 80–90% LVR
6.81% comparison · 7.09% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.52% comparison · 6.54% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.69% comparison · 6.84% advertised
5yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.13% comparison · 7.04% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.72% comparison · 7.04% advertised
5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
6.89% comparison · 7.34% advertised
5yr Fixed · P&I · Investor · ≤80% LVR
6.64% comparison · 6.69% advertised
5yr Fixed · P&I · Investor · 80–90% LVR
6.83% comparison · 6.99% advertised
5yr Fixed · Interest Only · Investor · ≤80% LVR
6.67% comparison · 6.79% advertised
5yr Fixed · Interest Only · Investor · 80–90% LVR
6.85% comparison · 7.09% advertised

Fees

Headline variant
Application fee
$299
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

For customers who want flexibility to pay down their loan sooner and access additional features such as up to 6 offset accounts.

Compare all home loans