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Complete Home Loan

Our 2 year fixed home loan rate is one of the lowest available 5.99% p.a. interest rate3 with a Comparison rate1 of 6.41% p.a.

Australia’s most satisfied home loan customers*
Voted Australia's most trusted bank^
Caring for 2.5 million customers in over 500 locations

About Complete Home Loan

Are you looking to refinance, want pre-approval to be auction ready, or have already found a new property? We’ve removed the confusion around which home loan is right for you.

You can tailor the Complete Home Loan to suit your specific needs. It’s filled with features to help you save including 100% offset on both fixed and variable interest rates.


  • Pay less interest with a full offset16 on fixed and variable loans

  • Get pre-approval to look and buy with confidence
  • Lower interest rates for larger deposits (Loan to value ratio tiered pricing)

  • Loan terms up to 30 years

  • 'Principal and interest' or 'interest only' repayments available

  • Access additional repayments using online redraw 

Complete Home Loan rates

Pre-qualify for a home loan

An illustrative image of a people painting a house with the text 'Australia's most satisfied home loan customers'.

Understand your lending position and get peace of mind

Pre-qualify today to better understand your lending position, prior to applying for a home loan. In only a few minutes, we'll estimate your borrowing costs, including stamp duty, lenders mortgage insurance (LMI) and any applicable first home buyer incentives for each State.

An illustrative image of a people painting a house with the text 'Australia's most satisfied home loan customers'.

Get home and contents insurance worth having

Insurance you can rely on is worth its weight in gold. Help protect your home by making sure you have adequate cover in place. We offer a range of options, great payment flexibility, and we have a dedicated insurance team who can assist you.

Tips on home loans

Home loan FAQ's

10 April 2024 | 5 min read
Learn more

Is now the time to refinance?

2 February 2021 | 3 min read
Explore refinancing

Understand your borrowing power

18 March 2024 | 4 min read
Full Story

Home loan glossary

14 June 2019 | 5 min read
Read more

Things you should know

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.

Target Market Determinations for products are available.

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 rate with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period. 

2 Bendigo Complete Home Loan: The interest rate displayed is for an owner occupied, principal and interest loan and is based on a Loan to Value Ratio (LVR) between 60.01%-80%. 

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.

6 Bendigo Complete Investment Loan: The interest rate displayed is for a residential investment, principal and interest loan and is based on a Loan to Value Ratio (LVR) between 60.01%-80%. 

10 The variable interest rates displayed are based on the applicable Loan to Value Ratio (LVR).

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.

* Roy Morgan Single Source Data 2024

^ Roy Morgan Risk Monitor 2023. Customers of Bendigo and Adelaide Bank Limited.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

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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