---
title: "Single Parents (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/3c32a98c-df03-4baf-a7ad-7f7a24daef44
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-24T14:32:22.981Z
---

# Single Parents (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 - Single Parents 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 |
| --- | --- | --- |
| Monthly Fee — Charged monthly | Ongoing | $15.00 |
| Discharge Administration Fee | Exit | $350.00 |
| Establishment Fee — Incorporates all standard upfront fees into this amount (That is, Application Fee $150, Standard Documentation Fee $250, Settlement Fee $100, Title Search Fee $50, Standard Valuation Fee $234) | Upfront | $784.00 |
| 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 |

## 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** — 98%

## 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: `3c32a98c-df03-4baf-a7ad-7f7a24daef44`
- Last updated by the provider: 24 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bendigo-bank/3c32a98c-df03-4baf-a7ad-7f7a24daef44
- 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/3c32a98c-df03-4baf-a7ad-7f7a24daef44) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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