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Call us on 02 800 68 300
Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.39% (6.59%*) • Fixed: 5.39% (6.59%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.69% (6.48%*) • Investment PI: 5.39% (6.59%*)

  Bendigo Flex Home Loan

For customers who want flexibility to pay down their loan sooner and access additional features such as up to 6 offset accounts.
Category: Home Loans  Last Updated September 19, 2024  Effective November 1, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information LVR < 80.01%
Interest Rate
5.54% PA
Comparison Rate
6.23%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 usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 6.19%
  • Lending Rate Type: Variable
  • Interest Rate: 6.19%, Comparison Rate 6.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.44%
  • Lending Rate Type: Variable
  • Interest Rate: 6.44%, Comparison Rate 6.60%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.99%
  • Lending Rate Type: Variable
  • Interest Rate: 6.99%, Comparison Rate 7.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.32%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 7.05%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.54%, Comparison Rate 6.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 5.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.90%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.55%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.93%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.30%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.04%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.29%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.24%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.82%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.23%
  • Lending Rate Type: Variable
  • Interest Rate: 7.23%, Comparison Rate 6.79%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.73%
  • Lending Rate Type: Variable
  • Interest Rate: 7.73%, Comparison Rate 7.16%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.42%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.66%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.41%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.45%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.68%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.70%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  INVESTMENT, VARIABLE, 6.24%
  • Lending Rate Type: Variable
  • Interest Rate: 6.24%, Comparison Rate 6.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.29%
  • Lending Rate Type: Variable
  • Interest Rate: 6.29%, Comparison Rate 6.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.54%
  • Lending Rate Type: Variable
  • Interest Rate: 6.54%, Comparison Rate 6.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.34%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.34%, Comparison Rate 6.47%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.54%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 6.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.44%
  • Lending Rate Type: Variable
  • Interest Rate: 6.44%, Comparison Rate 6.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 6.54%
  • Lending Rate Type: Variable
  • Interest Rate: 6.54%, Comparison Rate 6.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, VARIABLE, 7.19%
  • Lending Rate Type: Variable
  • Interest Rate: 7.19%, Comparison Rate 6.98%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.50%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.44%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.44%, Comparison Rate 6.48%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.64%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.50%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.75%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 6.69%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.76%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Offset Additional Information: 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 Additional Information: Manual & Online redraw available
  • Other Additional Information: Monthly repayments
  • Other Additional Information: Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans

 Product Eligibility

  • Min Age - 18.
  • Other Additional Information: Credit and Lending Criteria, Fees and Charges Apply

 Bank Fees and Charges

  • Online Redraw Fee (Event), Amount: 0.000000. Additional Information: Charged when completing a redraw online
  • Manual Redraw Fee (Event), Amount: 0.000000. Additional Information: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking
  • Break Cost Fee (Variable), Amount: Not Listed.. Additional Information: Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under your Contract; • you repay your Loan Account balance in full; or • you make an additional repayment (by repaying more than your required repayments under your Contract) where the total of all additional repayments you have made since the start of the Fixed Rate Period or, if later, the anniversary of that date, that exceeds $20,000.00.
  • Monthly Fee (Periodic), Amount: 15.000000.
  • Discharge Administration Fee (Exit), Amount: 350.000000.
  • Establishment Fee (Upfront), Amount: 299.000000. Additional Information: (Currently Waived)
  • Security Processing Fee (Upfront), Amount: 199.000000. Additional Information: (Currently Waived)
  • Variation Fee (Event), Amount: 250.000000.
  • Default Fee (Event), Amount: 35.000000.
  • Duplicate Fee (Event), Amount: 16.500000.
  • Bank Cheque Fee (Event), Amount: 10.000000.

 Limitations & Restrictions (Constraints)

  • Opening Balance of 5000.00

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