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Home loan · Variable

Bendigo Flex Home Loan (Retail)

Rate
Loan for
Repayments
Deposit

6.63%comparison rate p.a. · 6.43% advertised

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

61st of 93 variable owner-occupier P&I loans

Go to Bendigo

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
$299
Ongoing fee
$15 a month
Discharge fee
$350
Compare all 321 home loans
Compare Bendigo Flex Retail side by side

Variable · P&I · Owner-occupier · ≤60% LVR
6.59% comparison · 6.39% advertised
Variable · P&I · Owner-occupier · 60–80% LVR
6.63% comparison · 6.43% advertised
Variable · P&I · Owner-occupier · 80–90% LVR
6.69% comparison · 6.49% advertised
Variable · P&I · Owner-occupier · 90–95% LVR
7.33% comparison · 7.13% advertised
Variable · Interest Only · Owner-occupier · ≤80% LVR
7.10% comparison · 7.53% advertised
Variable · Interest Only · Owner-occupier · 80–90% LVR
7.36% comparison · 8.03% advertised
Variable · P&I · Investor · ≤60% LVR
6.64% comparison · 6.44% advertised
Variable · P&I · Investor · 60–70% LVR
6.69% comparison · 6.49% advertised
Variable · P&I · Investor · 70–80% LVR
6.73% comparison · 6.53% advertised
Variable · P&I · Investor · 80–90% LVR
6.83% comparison · 6.63% advertised
Variable · Interest Only · Investor · ≤60% LVR
6.69% comparison · 6.59% advertised
Variable · Interest Only · Investor · 60–70% LVR
6.74% comparison · 6.64% advertised
Variable · Interest Only · Investor · 70–80% LVR
6.76% comparison · 6.64% advertised
Variable · Interest Only · Investor · 80–90% LVR
6.90% comparison · 6.83% advertised
1yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.65% comparison · 6.59% advertised
1yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.73% comparison · 6.89% advertised
1yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.32% comparison · 7.09% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.70% comparison · 7.09% advertised
1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
6.78% comparison · 7.39% advertised
1yr Fixed · P&I · Investor · ≤80% LVR
6.75% comparison · 6.74% advertised
1yr Fixed · P&I · Investor · 80–90% LVR
6.87% comparison · 7.04% advertised
1yr Fixed · Interest Only · Investor · ≤80% LVR
6.76% comparison · 6.84% advertised
1yr Fixed · Interest Only · Investor · 80–90% LVR
6.88% comparison · 7.14% advertised
2yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.66% comparison · 6.59% advertised
2yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.77% comparison · 6.89% advertised
2yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.32% comparison · 7.09% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.76% comparison · 7.09% advertised
2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
6.86% comparison · 7.39% advertised
2yr Fixed · P&I · Investor · ≤80% LVR
6.77% comparison · 6.74% advertised
2yr Fixed · P&I · Investor · 80–90% LVR
6.91% comparison · 7.04% advertised
2yr Fixed · Interest Only · Investor · ≤80% LVR
6.79% comparison · 6.84% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR
6.93% comparison · 7.14% advertised
3yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.71% comparison · 6.69% advertised
3yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.84% comparison · 6.99% advertised
3yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.34% comparison · 7.19% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.84% comparison · 7.19% advertised
3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
6.97% comparison · 7.49% advertised
3yr Fixed · P&I · Investor · ≤80% LVR
6.82% comparison · 6.84% advertised
3yr Fixed · P&I · Investor · 80–90% LVR
6.98% comparison · 7.14% advertised
3yr Fixed · Interest Only · Investor · ≤80% LVR
6.84% comparison · 6.94% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR
7.00% comparison · 7.24% advertised
4yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.76% comparison · 6.79% advertised
4yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.91% comparison · 7.09% advertised
4yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.39% comparison · 7.29% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.93% comparison · 7.29% advertised
4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
7.08% comparison · 7.59% advertised
4yr Fixed · P&I · Investor · ≤80% LVR
6.88% comparison · 6.94% advertised
4yr Fixed · P&I · Investor · 80–90% LVR
7.06% comparison · 7.24% advertised
4yr Fixed · Interest Only · Investor · ≤80% LVR
6.90% comparison · 7.04% advertised
4yr Fixed · Interest Only · Investor · 80–90% LVR
7.08% comparison · 7.34% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.79% comparison · 6.79% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.96% comparison · 7.09% advertised
5yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.40% comparison · 7.29% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.99% comparison · 7.29% advertised
5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
7.16% comparison · 7.59% advertised
5yr Fixed · P&I · Investor · ≤80% LVR
6.91% comparison · 6.94% advertised
5yr Fixed · P&I · Investor · 80–90% LVR
7.10% comparison · 7.24% advertised
5yr Fixed · Interest Only · Investor · ≤80% LVR
6.94% comparison · 7.04% advertised
5yr Fixed · Interest Only · Investor · 80–90% LVR
7.13% comparison · 7.34% advertised

Application fee
$299
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 Flex Home Loan (Retail) · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00SepOctToday6.63% p.a. today

October 20262 changes

  1. 7Wed
    • 59 variants up 0.13 to 0.257 days after the RBA rise to 4.60%
      Variable · P&I · Owner-occupier · ≤60% LVR6.346.59+0.25
      Variable · P&I · Owner-occupier · 60–80% LVR6.386.63+0.25
      Variable · P&I · Owner-occupier · 80–90% LVR6.446.69+0.25
      Variable · P&I · Owner-occupier · 90–95% LVR7.087.33+0.25
      Variable · Interest Only · Owner-occupier · ≤80% LVR6.857.10+0.25
      Variable · Interest Only · Owner-occupier · 80–90% LVR7.117.36+0.25
      Variable · P&I · Investor · ≤60% LVR6.396.64+0.25
      Variable · P&I · Investor · 60–70% LVR6.446.69+0.25
      Variable · P&I · Investor · 70–80% LVR6.486.73+0.25
      Variable · P&I · Investor · 80–90% LVR6.586.83+0.25
      Variable · Interest Only · Investor · ≤60% LVR6.446.69+0.25
      Variable · Interest Only · Investor · 60–70% LVR6.496.74+0.25
      Variable · Interest Only · Investor · 70–80% LVR6.516.76+0.25
      Variable · Interest Only · Investor · 80–90% LVR6.656.90+0.25
      1yr Fixed · P&I · Owner-occupier · ≤80% LVR6.426.65+0.23
      1yr Fixed · P&I · Owner-occupier · 80–90% LVR6.516.73+0.22
      1yr Fixed · P&I · Owner-occupier · 90–95% LVR7.107.32+0.22
      1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.476.70+0.23
      1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.566.78+0.22
      1yr Fixed · P&I · Investor · ≤80% LVR6.536.75+0.22
      1yr Fixed · P&I · Investor · 80–90% LVR6.656.87+0.22
      1yr Fixed · Interest Only · Investor · ≤80% LVR6.546.76+0.22
      1yr Fixed · Interest Only · Investor · 80–90% LVR6.666.88+0.22
      2yr Fixed · P&I · Owner-occupier · ≤80% LVR6.466.66+0.20
      2yr Fixed · P&I · Owner-occupier · 80–90% LVR6.576.77+0.20
      2yr Fixed · P&I · Owner-occupier · 90–95% LVR7.127.32+0.20
      2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.566.76+0.20
      2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.666.86+0.20
      2yr Fixed · P&I · Investor · ≤80% LVR6.576.77+0.20
      2yr Fixed · P&I · Investor · 80–90% LVR6.716.91+0.20
      2yr Fixed · Interest Only · Investor · ≤80% LVR6.596.79+0.20
      2yr Fixed · Interest Only · Investor · 80–90% LVR6.736.93+0.20
      3yr Fixed · P&I · Owner-occupier · ≤80% LVR6.536.71+0.18
      3yr Fixed · P&I · Owner-occupier · 80–90% LVR6.666.84+0.18
      3yr Fixed · P&I · Owner-occupier · 90–95% LVR7.177.34+0.17
      3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.666.84+0.18
      3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.796.97+0.18
      3yr Fixed · P&I · Investor · ≤80% LVR6.646.82+0.18
      3yr Fixed · P&I · Investor · 80–90% LVR6.806.98+0.18
      3yr Fixed · Interest Only · Investor · ≤80% LVR6.666.84+0.18
      3yr Fixed · Interest Only · Investor · 80–90% LVR6.827.00+0.18
      4yr Fixed · P&I · Owner-occupier · ≤80% LVR6.616.76+0.15
      4yr Fixed · P&I · Owner-occupier · 80–90% LVR6.766.91+0.15
      4yr Fixed · P&I · Owner-occupier · 90–95% LVR7.237.39+0.16
      4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.776.93+0.16
      4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.927.08+0.16
      4yr Fixed · P&I · Investor · ≤80% LVR6.736.88+0.15
      4yr Fixed · P&I · Investor · 80–90% LVR6.907.06+0.16
      4yr Fixed · Interest Only · Investor · ≤80% LVR6.756.90+0.15
      4yr Fixed · Interest Only · Investor · 80–90% LVR6.927.08+0.16
      5yr Fixed · P&I · Owner-occupier · ≤80% LVR6.656.79+0.14
      5yr Fixed · P&I · Owner-occupier · 80–90% LVR6.826.96+0.14
      5yr Fixed · P&I · Owner-occupier · 90–95% LVR7.267.40+0.14
      5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.856.99+0.14
      5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR7.027.16+0.14
      5yr Fixed · P&I · Investor · ≤80% LVR6.786.91+0.13
      5yr Fixed · P&I · Investor · 80–90% LVR6.977.10+0.13
      5yr Fixed · Interest Only · Investor · ≤80% LVR6.806.94+0.14
      5yr Fixed · Interest Only · Investor · 80–90% LVR6.997.13+0.14
      +0.13 to +0.25
  2. 5Mon
    • 45 variants up 0.01 to 0.125 days after the RBA rise to 4.60%
      1yr Fixed · P&I · Owner-occupier · ≤80% LVR6.416.42+0.01
      1yr Fixed · P&I · Owner-occupier · 80–90% LVR6.506.51+0.01
      1yr Fixed · P&I · Owner-occupier · 90–95% LVR7.097.10+0.01
      1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.466.47+0.01
      1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.556.56+0.01
      1yr Fixed · P&I · Investor · ≤80% LVR6.526.53+0.01
      1yr Fixed · P&I · Investor · 80–90% LVR6.646.65+0.01
      1yr Fixed · Interest Only · Investor · ≤80% LVR6.536.54+0.01
      1yr Fixed · Interest Only · Investor · 80–90% LVR6.656.66+0.01
      2yr Fixed · P&I · Owner-occupier · ≤80% LVR6.456.46+0.01
      2yr Fixed · P&I · Owner-occupier · 80–90% LVR6.566.57+0.01
      2yr Fixed · P&I · Owner-occupier · 90–95% LVR7.117.12+0.01
      2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.556.56+0.01
      2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.656.66+0.01
      2yr Fixed · P&I · Investor · ≤80% LVR6.566.57+0.01
      2yr Fixed · P&I · Investor · 80–90% LVR6.706.71+0.01
      2yr Fixed · Interest Only · Investor · ≤80% LVR6.586.59+0.01
      2yr Fixed · Interest Only · Investor · 80–90% LVR6.726.73+0.01
      3yr Fixed · P&I · Owner-occupier · ≤80% LVR6.476.53+0.06
      3yr Fixed · P&I · Owner-occupier · 80–90% LVR6.606.66+0.06
      3yr Fixed · P&I · Owner-occupier · 90–95% LVR7.117.17+0.06
      3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.606.66+0.06
      3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.736.79+0.06
      3yr Fixed · P&I · Investor · ≤80% LVR6.596.64+0.05
      3yr Fixed · P&I · Investor · 80–90% LVR6.746.80+0.06
      3yr Fixed · Interest Only · Investor · ≤80% LVR6.606.66+0.06
      3yr Fixed · Interest Only · Investor · 80–90% LVR6.766.82+0.06
      4yr Fixed · P&I · Owner-occupier · ≤80% LVR6.516.61+0.10
      4yr Fixed · P&I · Owner-occupier · 80–90% LVR6.666.76+0.10
      4yr Fixed · P&I · Owner-occupier · 90–95% LVR7.147.23+0.09
      4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.686.77+0.09
      4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.836.92+0.09
      4yr Fixed · P&I · Investor · ≤80% LVR6.636.73+0.10
      4yr Fixed · P&I · Investor · 80–90% LVR6.816.90+0.09
      4yr Fixed · Interest Only · Investor · ≤80% LVR6.656.75+0.10
      4yr Fixed · Interest Only · Investor · 80–90% LVR6.836.92+0.09
      5yr Fixed · P&I · Owner-occupier · ≤80% LVR6.546.65+0.11
      5yr Fixed · P&I · Owner-occupier · 80–90% LVR6.716.82+0.11
      5yr Fixed · P&I · Owner-occupier · 90–95% LVR7.157.26+0.11
      5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR6.746.85+0.11
      5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR6.917.02+0.11
      5yr Fixed · P&I · Investor · ≤80% LVR6.666.78+0.12
      5yr Fixed · P&I · Investor · 80–90% LVR6.856.97+0.12
      5yr Fixed · Interest Only · Investor · ≤80% LVR6.696.80+0.11
      5yr Fixed · Interest Only · Investor · 80–90% LVR6.886.99+0.11
      +0.01 to +0.12

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

Also from Bendigo: Bendigo Express Home Loan 6.27% · Bendigo Easy Home Loan 6.40% · Bendigo Complete Home Loan 6.65%

As of 1 November 2026, the Bendigo Flex Home Loan (Retail)'s variable owner-occupier P&I variant has a comparison rate of 6.63% (6.43% advertised), ranking 61st of 93 variable owner-occupier P&I loans and sitting 0.05 points above the market average of 6.58%. The product comes in 59 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.