Bendigo Flex Home Loan (Retail)
Home LoansData Sharing Status
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%
- 6.34% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.14% | 6.34% | LVR ≤60% |
| Variable | 6.18% | 6.38% | LVR 60.01–80% |
| Variable | 6.33% | 6.53% | LVR 80.01–90% |
| Fixed · 1 year | 6.49% | 6.41% | LVR ≤80% |
| Fixed · 3 years | 6.49% | 6.47% | LVR ≤80% |
| Fixed · 2 years | 6.54% | 6.45% | LVR ≤80% |
| Fixed · 4 years |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee | Upfront | $299.00 |
| Security Processing Fee | Upfront | $199.00 |
| Monthly Service Fee Charged monthly | Ongoing | $15.00 |
| Bank Cheque Fee | Event | $10.00 |
| 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 |
| Duplicate Fee | Event | $16.50 |
| Default Fee | Event | $35.00 |
Features
- Offset account
- Up to six 100% Offset Accounts per loan. Full offset if Variable or Fixed. Offsets for Bendigo Flex Home Loan 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
Eligibility
- Minimum age — 18 years
- Credit and Lending Criteria, Fees and Charges Apply
Constraints
- Minimum limit — $5,000.00
- Maximum LVR — 95%
Published by Bendigo Bank under the Consumer Data Right · Last updated 12 May 2026 · Product ID 01eda1f9-5f8d-4899-b74c-2be3c330f391 · View on CDR.gov.au · View Source Data (JSON)