Starting as low as 5.54% p.a.3 for a 2 year fixed rate (comparison rate1 of 6.32% p.a.), our Complete Home Loan has you covered.
Australia’s most satisfied home loan customers*
Voted Australia's most trusted bank^
Caring for 2.5 million customers in over 500 locations
About Complete Home Loan
Are you looking to refinance, want pre-approval to be auction ready, or have already found a new property? We’ve removed the confusion around which home loan is right for you.
You can tailor the Complete Home Loan to suit your specific needs. It’s filled with features to help you save including 100% offset on both fixed and variable interest rates.
Features
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Pay less interest with a full offset16 on fixed and variable loans
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Get pre-approval to look and buy with confidence
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Lower interest rates for larger deposits (Loan to value ratio tiered pricing)
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Loan terms up to 30 years
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'Principal and interest' or 'interest only' repayments available
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Access additional repayments using online redraw
Complete Home Loan rates
Buy with confidence
Talk with a home loan specialist to arrange your pre-approval with our Complete Home Loan today.
Pre-approval means a lender has provided an obligation-free estimate on the amount you can borrow to purchase a property. Having pre-approval doesn't mean your home loan is locked in. There are various terms, conditions and lending criteria that must be met to receive formal approval. However, pre-approval is a good first step in the buying process, signalling to real estate agents you can afford the property and are a genuine buyer.
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Get home and contents insurance worth having
Insurance you can rely on is worth its weight in gold. Help protect your home by making sure you have adequate cover in place. We offer a range of options, great payment flexibility, and we have a dedicated insurance team who can assist you.
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Need help? We're here for you
Contact our home loan specialists now on 1300 236 344 or use the online enquiry form to request a call back. If you prefer to visit a branch, use our branch locator to find a branch near you.
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Things you should know
Terms and conditions, fees and charges apply. All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.
Target Market Determinations for products are available.
1 Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For Bendigo Complete Fixed Rate Home Loan the comparison rate assumes a variable rate with Loan to Value Ratio (LVR) 60.01%-80% inclusive will apply at the end of the fixed rate period.
2 Bendigo Complete Home Loan: The interest rate displayed is for an owner occupied, principal and interest loan and is based on a Loan to Value Ratio (LVR) between 60.01%-80%.
3 Bendigo Complete Home Loan 2 Year Fixed: Available to customers with owner occupied, principal and interest home loans.
4 Refer to the Lending Fees and Charges Guide for more information.
6 Bendigo Complete Investment Loan: The interest rate displayed is for a residential investment, principal and interest loan and is based on a Loan to Value Ratio (LVR) between 60.01%-80%.
10 The variable interest rates displayed are based on the applicable Loan to Value Ratio (LVR).
16 Full offset facility is available for Bendigo Complete Home Loan for both fixed and variable loans. Offset facility can only be linked to one loan at any one time. A maximum of 6 offset facilities can be linked per loan account. Linked offset facility must be in same customer name/number.
* Roy Morgan Single Source Data 2024
^ Roy Morgan Risk Monitor 2024. Customers of Bendigo and Adelaide Bank Limited.
