--- title: "First Home Buyers (Bendigo Complete Home Loan) — Bendigo Bank" description: "Home Loans from Bendigo Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/bendigo-bank/products/226ef88a-2979-4608-9288-4357f9aaa26d source: "CDR Compare" language: en-AU last_updated: 2026-08-24T14:32:25.722Z --- # First Home Buyers (Bendigo Complete Home Loan) — Bendigo Bank > Home Loans from Bendigo Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans** 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. * Check Eligibility Criteria for Scheme Loans ## At a glance - **From (owner occupied):** 6.18% (6.4% comparison) ## Apply Applications are handled by the provider: [Apply at Bendigo Bank](https://apply.bendigobank.com.au/bendigoapply/servlet/SmartForm.html?formCode=home-loan-pq) ## Interest rates ### Owner occupied — Principal & interest | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable | 6.18% | 6.4% | — | | Fixed · 1 year | 6.49% | 6.44% | — | | Fixed · 3 years | 6.49% | 6.49% | — | | Fixed · 2 years | 6.54% | 6.47% | — | | Fixed · 4 years | 6.54% | 6.54% | — | | Fixed · 5 years | 6.54% | 6.56% | — | ### Owner occupied — Interest only | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Construction Loans Only*) | 6.18% | 6.4% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Search Processing Fee — Payable for the bank to perform a title search or other searches relating to your application. | Upfront | $50.00 | | Valuation Fee — The cost of having the security valued by a third party (this can vary depending upon the location and access available to the property). | Event | Variable | | Manual Redraw Fee — Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking | Event | $0.00 | | Online Redraw Fee — Charged when completing a redraw online | Event | $0.00 | | Agent Lodgement Fee — Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan | Event | $125.00 | | Break Cost Fee and Prepayment Fee — A Break Cost Fee is payable to us each time any of the following break events occur during a fixed rate period: • at your request, we agree to vary your annual percentage rate; or • you repay your loan account balance in full. A 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: • if 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 • if 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. | Event | Variable | | Monthly Fee — Charged monthly | Ongoing | $15.00 | | Discharge Administration Fee | Exit | $350.00 | | Variation Fee - Simple | Event | $150.00 | | Variation Fee - Complex | Event | $300.00 | | Building Loan Fee - Contract Builder | Upfront | $100.00 | | Building Loan Fee - Owner Builder | Upfront | $200.00 | | Guarantee Administration Fee | Upfront | $250.00 | | Rate Variation Fee (to renegotiate Rate) | Event | $100.00 | | Repayment Recalculation Fee | Event | $50.00 | | Interest Prepayment Fee | Payment | $85.00 | | Default Fee | Event | $35.00 | | Duplicate Fee | Event | $16.50 | | Bank Cheque Fee | Event | $10.00 | | Application Fee — Incurred when you apply for a new loan, additional funds on your current loan or when changing your loan. | Upfront | $150.00 | | Documentation Fee — The cost of preparing the loan documents for your new loan or application. The amount varies based on the complexity of the loan application. | Upfront | Variable | | Settlement Fee — To process the settlement of your loan, additional funds on your current loan or when changing your loan. | Upfront | $100.00 | ## Features - **Offset account** (Up to six 100% Offset Accounts per loan) - **Redraw facility** (Online redraw available) - **Weekly, fortnightly or monthly repayments** - **Extra repayments** (Unlimited additional repayments if variable, otherwise 20% of loan balance when fixed) ## Eligibility - **Minimum age** — 18 years - **Credit and Lending Criteria, Fees and Charges Apply** - **Check Eligibility Criteria for Scheme loans. ** ## Constraints - **Minimum limit** — $5,000.00 - **Maximum LVR** — 95% ## More information from Bendigo Bank - [Overview](https://www.bendigobank.com.au/personal/home-loans/government-support/) - [Terms & conditions](https://www.bendigobank.com.au/globalassets/documents/disclosures/home-loan-booklet.pdf) - [Eligibility](https://www.housingaustralia.gov.au/support-buy-home/eligibility-tool) - [Fees & pricing](https://www.bendigobank.com.au/globalassets/documents/disclosures/lending-fees-and-charges.pdf) ## Data provenance - Published by Bendigo Bank under the Consumer Data Right - Product ID: `226ef88a-2979-4608-9288-4357f9aaa26d` - Last updated by the provider: 24 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/bendigo-bank/226ef88a-2979-4608-9288-4357f9aaa26d - Provider page: https://www.cdrcompare.au/brands/bendigo-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000115 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/bendigo-bank/products/226ef88a-2979-4608-9288-4357f9aaa26d) — product data published by Australian data holders under the Consumer Data Right. 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