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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.

The more equity you have, the more competitive your rate will be. 

With our new Complete Home Loan, your rate can be adjusted based on your Loan to Value Ratio (LVR). So the greater the deposit, the lower the interest rate. 

Full offset16 to help you own your home sooner

The greater the deposit, the lower the interest rate

Repayment frequency that suits you

$15 monthly service fee4

Ready to start saving? Let's talk.
Get in touch with us today.

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Need more information about home loan rates?

Compare our range of home loan rates for Complete and Express home loans all on one page. 

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Not sure what LVR is? Our Home Loan Glossary can help.

If you've been searching for information on home loans and how to buy a house, you've probably noticed that there's some things you 'kind of' already know, but some things you don't. Our home loan glossary article has all the answers. 

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Home loan specialists dedicated to you

We're all busy and what used to be normal business hours are long gone. Our mobile lenders can be in touch at a time that suits you. Whether you're looking to buy, invest, refinance or renovate, a mobile lender is your home loan specialist. 

Arrange a call or video conference today.

Get in touch

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Bendigo Bank is part of the Bendigo and Adelaide Bank Group. We collect your personal information in order to respond to your enquiry and contact you; your personal information may be shared within the Group. This includes subsidiaries, related companies, agencies and franchises. To request access to your personal information, please contact your nearest branch or 1300 236 344. For more information, please read our Privacy Policy.

Terms and conditions, fees and charges apply. All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.

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.

Refer to the Lending Fees and Charges Guide for more information.

16 Full offset facility is available for Bendigo Complete Home Loan for both fixed and variable loans. Offset facility can only be linked to one loan at any one time. A maximum of 6 offset facilities can be linked per loan account. Linked offset facility must be in same customer name/number.


Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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