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Complete Home Loan

We've got you covered with our Complete Home Loan offering a competitive 3.04% p.a. variable interest rate2, with a Comparison rate1 of 3.29% p.a.

About Complete Home Loan

Whether you're buying a new home or looking to refinance your existing home loan, we've removed the confusion around which home loan is right for you. 

Our Complete Home Loan is an easy-to-manage home loan, designed to suit your needs, with features like full offset16 on fixed or variable, online redraw, and flexible repayments. 


  • Full offset16 on fixed and variable loans

  • Loan-to-Value Ratio (LVR) tiered pricing for variable rates

  • Loan terms up to 30 years (interest only up to 5 years)

  • Principal and Interest or Interest Only repayments available

  • $15 monthly service fee4

  • Weekly, fortnightly or monthly repayments

  • Access additional repayments using online redraw 

Complete Home Loan rates

Pre-qualify for a home loan

Understand your 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.

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Understand your borrowing power

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Home loan glossary

14 June 2019 | 5 min read
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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 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%. 

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%. 

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.

Find your nearest mobile lender and arrange a call or video conference today.

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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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