RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

    Booking    Contact    (02) 8006 8300

  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  Single Parents (Bendigo Complete Home Loan)

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
Category: Home Loans  Last Updated December 18, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.38% PA
Comparison Rate
5.69%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions..

Product Features

  • Offset Additional Information: Up to six 100% Offset Accounts per loan
  • Redraw Additional Information: Online redraw available
  • Other Additional Information: Weekly, fortnightly or monthly repayments
  • Extra Repayments Additional Information: Unlimited additional repayments if variable, otherwise 20% of loan balance when fixed

Product Eligibility

  • Min Age - 18.
  • Other Additional Information: Credit and Lending Criteria, Fees and Charges Apply
  • Other Additional Information: Check Eligibility Criteria for Scheme loans.

Bank Fees and Charges

  • Monthly Fee (Periodic), Amount: 15.000000.
  • Discharge Administration Fee (Exit), Amount: 350.000000.
  • Establishment Fee (Upfront), Amount: 784.000000. Additional Information: 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)
  • Variation Fee - Simple (Event), Amount: 150.000000.
  • Variation Fee - Complex (Event), Amount: 300.000000.
  • Building Loan Fee - Contract Builder (Upfront), Amount: 100.000000.
  • Building Loan Fee - Owner Builder (Upfront), Amount: 200.000000.
  • Guarantee Administration Fee (Upfront), Amount: 250.000000.
  • Rate Variation Fee (to Renegotiate Rate) (Event), Amount: 100.000000.
  • Repayment Recalculation Fee (Event), Amount: 50.000000.
  • Interest Prepayment Fee (Payment), Amount: 85.000000.
  • Default Fee (Event), Amount: 35.000000.
  • Duplicate Fee (Event), Amount: 16.500000.
  • Bank Cheque Fee (Event), Amount: 10.000000.

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00
  • Max Lvr of 0.98

Document Downloads

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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