{
  "source": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/226ef88a-2979-4608-9288-4357f9aaa26d",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "effectiveFrom": "2023-11-16T13:31:00.000Z",
    "lastUpdated": "2026-07-07T06:35:46.916Z",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "First Home Buyers (Bendigo Complete Home Loan) ",
    "description": "Australian Government 5% Deposit Scheme - First Home Buyers mirrors the Bendigo Complete Home Loan offering a 100% offset account on both variable and fixed rates - allowing you to save interest.   \n\n* Check Eligibility Criteria for Scheme Loans ",
    "productId": "226ef88a-2979-4608-9288-4357f9aaa26d",
    "brandName": "Bendigo Bank",
    "applicationUri": "https://apply.bendigobank.com.au/bendigoapply/servlet/SmartForm.html?formCode=home-loan-pq",
    "isTailored": false,
    "bundles": [],
    "cardArt": [],
    "features": [
      {
        "featureType": "OFFSET",
        "additionalInfo": "Up to six 100% Offset Accounts per loan"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "Online redraw available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Weekly, fortnightly or monthly repayments"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited additional repayments if variable, otherwise 20% of loan balance when fixed"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.95"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit and Lending Criteria, Fees and Charges Apply"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Check Eligibility Criteria for Scheme loans. ",
        "additionalInfoUri": "https://www.housingaustralia.gov.au/support-buy-home/eligibility-tool"
      }
    ],
    "fees": [
      {
        "name": " Search Processing Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": " Payable for the bank to perform a title search or other searches relating to your application.",
        "discounts": [],
        "fixedAmount": {
          "amount": "50.000000"
        }
      },
      {
        "name": "Valuation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "additionalInfo": " The cost of having the security valued by a third party (this can vary depending upon the location and access available to the property).",
        "discounts": []
      },
      {
        "name": "Manual Redraw Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Online Redraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Charged when completing a redraw online",
        "discounts": [],
        "fixedAmount": {
          "amount": "0.000000"
        }
      },
      {
        "name": "Agent Lodgement Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan",
        "discounts": [],
        "fixedAmount": {
          "amount": "125.000000"
        }
      },
      {
        "name": "Break Cost Fee and Prepayment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "variable",
        "additionalInfo": "A Break Cost Fee is payable to us each time any of the following break events occur during a fixed rate period:\n•\tat your request, we agree to vary your annual percentage rate; or\n•\tyou repay your loan account balance in full.\nA Prepayment Fee is payable to us if, during a fixed rate period, you prepay an amount (repay more than your required repayments) that exceeds 20% of:\n•\tif the fixed rate period started on the date we first advanced any part of the amount of credit, the amount of credit – in which case the prepayment amount is the amount you prepay during the fixed rate period less 20% of the amount of credit; or\n•\tif the fixed rate period started on a date after the date we first advanced any part of the amount of credit, the loan account balance at the start of the fixed rate period – in which case the prepayment amount is the amount you prepay less 20% of the loan account balance at the start of the fixed rate period.\n",
        "discounts": []
      },
      {
        "name": "Monthly Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "additionalValue": "P1M",
        "discounts": [],
        "fixedAmount": {
          "amount": "15.000000"
        }
      },
      {
        "name": "Discharge Administration Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "350.000000"
        }
      },
      {
        "name": "Variation Fee - Simple",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "150.000000"
        }
      },
      {
        "name": "Variation Fee - Complex",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "300.000000"
        }
      },
      {
        "name": "Building Loan Fee - Contract Builder",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "100.000000"
        }
      },
      {
        "name": "Building Loan Fee - Owner Builder",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "200.000000"
        }
      },
      {
        "name": "Guarantee Administration Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "250.000000"
        }
      },
      {
        "name": "Rate Variation Fee (to renegotiate Rate)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "100.000000"
        }
      },
      {
        "name": "Repayment Recalculation Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "50.000000"
        }
      },
      {
        "name": "Interest Prepayment Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "85.000000"
        }
      },
      {
        "name": "Default Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "35.000000"
        }
      },
      {
        "name": "Duplicate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "16.500000"
        }
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "discounts": [],
        "fixedAmount": {
          "amount": "10.000000"
        }
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": " Incurred when you apply for a new loan, additional funds on your current loan or when changing your loan.\n",
        "discounts": [],
        "fixedAmount": {
          "amount": "150.000000"
        }
      },
      {
        "name": "Documentation Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "additionalInfo": "The cost of preparing the loan documents for your new loan or application. The amount varies based on the complexity of the loan application.\n",
        "discounts": []
      },
      {
        "name": "Settlement Fee ",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "additionalInfo": "To process the settlement of your loan, additional funds on your current loan or when changing your loan.\n",
        "discounts": [],
        "fixedAmount": {
          "amount": "100.000000"
        }
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0623000000000000",
        "comparisonRate": "0.0645000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649000000000000",
        "comparisonRate": "0.0648000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P1Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0654000000000000",
        "comparisonRate": "0.0651000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P2Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0649000000000000",
        "comparisonRate": "0.0653000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P3Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0654000000000000",
        "comparisonRate": "0.0657000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P4Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0654000000000000",
        "comparisonRate": "0.0659000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalValue": "P5Y",
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0623000000000000",
        "comparisonRate": "0.0645000000000000",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "additionalInfo": "Construction Loans Only*",
        "applicationType": "PERIODIC"
      }
    ],
    "additionalInformation": {
      "overviewUri": "https://www.bendigobank.com.au/personal/home-loans/government-support/",
      "termsUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/home-loan-booklet.pdf",
      "eligibilityUri": "https://www.housingaustralia.gov.au/support-buy-home/eligibility-tool",
      "feesAndPricingUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/lending-fees-and-charges.pdf"
    },
    "brand": "BENDIGO"
  }
}