First Home Buyers (Bendigo Complete Home Loan)
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
- From (owner occupied)
- 6.23%
- 6.45% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.23% | 6.45% | — |
| Fixed · 1 year | 6.49% | 6.48% | — |
| Fixed · 3 years | 6.49% | 6.53% | — |
| Fixed · 2 years | 6.54% | 6.51% | — |
| Fixed · 4 years | 6.54% | 6.57% | — |
| Fixed · 5 years | 6.54% | 6.59% | — |
Owner occupied — Interest only
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. |
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
Published by Bendigo Bank under the Consumer Data Right · Last updated 7 July 2026 · Product ID 226ef88a-2979-4608-9288-4357f9aaa26d · View on CDR.gov.au · View Source Data (JSON)