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Complete Home Loan
Think your rate could be lower?
We completely agree!
Our Complete Home Loan is a low 2.34% p.a. (owner occupied P&I for 2 year fixed interest rate3)
With a comparison rate1 of 2.96% p.a.
Low Rate Credit Card Offer
Bendigo Bank SmartStart Super
1 Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The 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.
For Bendigo Complete Fixed Rate Home Loan the comparison rate assumes a variable with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period.
3 Bendigo Complete Home Loan 2 Year Fixed: Available to customers with owner occupied, principal and interest home loans.
*Low Rate Credit Card Offer
Terms, conditions, fees and charges apply. All information, including interest rates and fees, is correct as at 30 September 2020 and is subject to change. Full details available on application. Lending criteria apply.
Low Rate Credit Card Offer commences on 1 October 2020 and comprises 0% purchase rate for 15 months and a $150 Woolworths Supermarket Gift Card when you spend $1,000 on eligible purchases in 90 days.
To be eligible, a new Low Rate Credit Card application must be submitted between 12:01am AEST 1 October 2020 and 11:59pm AEST 3 January 2021.
Bendigo Bank may vary or end this offer and it is only available on the Low Rate Credit Card. Offer not available to staff or in conjunction with any other Bendigo Bank offer including Low Rate Complete and Deals or Shareholder products. One account per customer. Offer is not available when closing/transferring from another Bendigo Bank credit card account or if you have held a Bendigo Bank credit card product in the last 12 months. Offer also subject to minimum monthly repayments being made as per your monthly statement and the account not otherwise being in default. Promotional balance transfer offer is not available in conjunction with this offer.
Purchase Rate Offer
For the first 15 months after account opening, interest on purchases is waived, subject to minimum monthly repayments being made and the account not otherwise being in default. At the end of 15 months from account opening, the remaining purchase balance will revert to standard purchase interest rate. Offer does not apply to cash advances.
The standard purchase interest rate of the Low Rate Credit Card is currently 11.99% p.a. The cash advance rate of the Low Rate Credit Card is currently 13.99% p.a.
$150 Woolworths Supermarket Gift Card
Subject to you meeting a minimum spend amount of $1,000 on eligible purchases within 90 days of opening your account, the $150 Woolworths Supermarket Gift Card will be awarded to you within 60 days of meeting the spend criteria.
The Bendigo Bank credit card account used must not be cancelled, closed or in default before the gift card is awarded to you. The gift card cannot be exchanged, be redeemed for cash in part or full, for another prize or transferrable. Refer to the gift card expiry date. If Woolworths gift card is not available, a gift card to the same value will be provided to an equivalent store. Ineligible purchases include cash advances, interest charges, credit fees and charges, foreign exchange purchases, travellers cheques, credit card payments, gambling chip purchases, payments to the Australian Taxation office, bill payments using BPAY® or utility bills paid over the counter at any financial institution or Post Office and any transactions, payments or purchases that are disputed, fraudulent, unauthorised, refunded or reimbursed. A direct debit will be classified as a cash advance if you have provided the debiting merchant with your BSB and account number.
Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879.
Woolworths Group Ltd ABN 88 000 014 675 is the issuer of the Woolworths Supermarket Gift Card, but is not the promoter of the offer, nor responsible for fulfilment of the offer terms.
Woolworths Supermarket Gift Card, have no expiry date and are redeemable at participating stores only. For a list of participating stores and full Gift Card Terms and Conditions visit woolworths.com.au/giftcards
Head Office: Bendigo Centre, Bendigo Vic 3550