AFG Alpha Offset Home Loan

For customers who want flexibility to pay down their loan sooner and access additional features such as up to 6 offset accounts.

From (owner occupied): 6.14%; 6.32% comparison

Interest Rates

Owner occupied — Principal & interest

Type	Rate	Comparison	Applies To
Variable	6.14%	6.32%	LVR ≤50%
Variable	6.14%	6.32%	LVR 50.01–60%
Variable	6.19%	6.37%	LVR 60.01–70%
Variable	6.34%	6.52%	LVR 70.01–80%
Variable	6.59%	6.77%	LVR 80.01–90%
Fixed · 1 year	6.59%	6.55%	LVR ≤80%
Fixed · 3 years	6.59%

Fees

Fee	Type	Amount
Online Redraw Fee Charged when completing a redraw online	Event	$0.00
Manual Redraw Fee Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking	Event	$0.00
Monthly Admin Fee Charged monthly	Ongoing	$15.00
Break Cost Fee Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under your Contract; • you repay your Loan Account balance in full; or • you make an additional repayment (by repaying more than your required repayments under your Contract) where the total of all additional repayments you have made since the start of the Fixed Rate Period or, if later, the anniversary of that date, that exceeds $20,000.00.	Other	From $0.00
Discharge Administration Fee Payable: each time we provide a partial or full discharge or release of mortgage or security interest in respect of any Mortgaged Property; and when you repay your Loan Account balance in full.	Exit	$350.00
Establishment Fee

Features

Offset account: Up to six 100% Offset Accounts per loan. Full offset if Variable or Fixed. Offsets for Bendigo AFG Home Loans must be in the same customer number as the home loan.
Redraw facility: Manual & Online redraw available
Monthly repayments
Extra repayments: Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans
Split Loans

Eligibility

Minimum age — 18 years
Credit and Lending Criteria, Fees and Charges Apply

Constraints

Minimum limit — $5,000.00
Maximum LVR — 95%

More Information

Published by AFG Home Loans Alpha under the Consumer Data Right · Last updated 16 July 2026 · Product ID 47ff39a2-9935-4c15-a998-5abfa6424433 · View on CDR.gov.au · View Source Data (JSON)

Type	Rate	Comparison	Applies To
Fixed · 1 year	7.09%	6.59%	LVR ≤80%
Fixed · 3 years	7.09%	6.72%	LVR ≤80%
Fixed · 2 years	7.14%	6.67%	LVR ≤80%
Fixed · 4 years	7.14%	6.8%	LVR ≤80%
Fixed · 5 years	7.14%	6.85%	LVR ≤80%
Fixed · 1 year	7.29%	6.84%	LVR 80.01–90%
Fixed · 3 years	7.29%	6.96%	LVR 80.01–90%
Fixed · 2 years	7.34%	6.91%	LVR 80.01–90%
Fixed · 4 years	7.34%	7.03%	LVR 80.01–90%
Fixed · 5 years	7.34%	7.08%	LVR 80.01–90%
Variable	7.38%	6.96%	LVR ≤80%
Variable	7.88%	7.33%	LVR 80.01–90%

Type	Rate	Comparison	Applies To
Variable	6.49%	6.54%	LVR ≤50%
Variable	6.49%	6.54%	LVR 50.01–60%
Variable	6.59%	6.61%	LVR 60.01–70%
Variable	6.69%	6.71%	LVR 70.01–80%
Fixed · 1 year	6.84%	6.66%	LVR ≤80%
Fixed · 3 years	6.84%	6.72%	LVR ≤80%
Fixed · 2 years	6.89%	6.7%	LVR ≤80%
Fixed · 4 years	6.89%	6.77%	LVR ≤80%
Fixed · 5 years	6.89%	6.8%	LVR ≤80%
Fixed · 1 year	7.04%	6.9%	LVR 80.01–90%
Fixed · 3 years	7.04%	6.96%	LVR 80.01–90%
Fixed · 2 years	7.09%	6.94%	LVR 80.01–90%
Fixed · 4 years	7.09%	7%	LVR 80.01–90%
Fixed · 5 years	7.09%	7.03%	LVR 80.01–90%
Variable	7.34%	7.14%	LVR 80.01–90%