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Bendigo Bank · Home loans
Bendigo Flex Home Loan (Retail)
Bendigo Flex Home Loan (Retail) is a home loan. The figures are the ones Bendigo Bank publishes under the Consumer Data Right today. The advertised rate last moved on 7 October 2026, up from 6.14% to 6.39%.
Advertised rate
6.39%
headline tier
Comparison rate
6.59%
as published
Last moved
+0.25pp
7 October 2026
Advertised rate, last 30 days. Between 6.14% and 6.39% over the last 30 days.
Every current rate (59)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60% | 6.39% | 6.59% |
| Variable, Owner occupier, P&I, LVR 60 to 80% | 6.43% | 6.63% |
| Variable, Investor, P&I, LVR up to 60% | 6.44% | 6.64% |
| Variable, Investor, P&I, LVR 60 to 70% | 6.49% | 6.69% |
| Variable, Owner occupier, P&I, LVR 80 to 90% | 6.49% | 6.69% |
| Variable, Investor, P&I, LVR 70 to 80% | 6.53% | 6.73% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 80% | 6.59% | 6.65% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 80% | 6.59% | 6.66% |
| Variable, Investor, Interest only, LVR up to 60% | 6.59% | 6.69% |
| Variable, Investor, P&I, LVR 80 to 90% | 6.63% | 6.83% |
| Variable, Investor, Interest only, LVR 60 to 70% | 6.64% | 6.74% |
| Variable, Investor, Interest only, LVR 70 to 80% | 6.64% | 6.76% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 80% | 6.69% | 6.71% |
| Fixed 1 year, Investor, P&I, LVR up to 80% | 6.74% | 6.75% |
| Fixed 2 years, Investor, P&I, LVR up to 80% | 6.74% | 6.77% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 80% | 6.79% | 6.76% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 80% | 6.79% | 6.79% |
| Variable, Investor, Interest only, LVR 80 to 90% | 6.83% | 6.90% |
| Fixed 1 year, Investor, Interest only, LVR up to 80% | 6.84% | 6.76% |
| Fixed 2 years, Investor, Interest only, LVR up to 80% | 6.84% | 6.79% |
| Fixed 3 years, Investor, P&I, LVR up to 80% | 6.84% | 6.82% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 90% | 6.89% | 6.73% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 90% | 6.89% | 6.77% |
| Fixed 3 years, Investor, Interest only, LVR up to 80% | 6.94% | 6.84% |
| Fixed 4 years, Investor, P&I, LVR up to 80% | 6.94% | 6.88% |
| Fixed 5 years, Investor, P&I, LVR up to 80% | 6.94% | 6.91% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 90% | 6.99% | 6.84% |
| Fixed 1 year, Investor, P&I, LVR 80 to 90% | 7.04% | 6.87% |
| Fixed 2 years, Investor, P&I, LVR 80 to 90% | 7.04% | 6.91% |
| Fixed 4 years, Investor, Interest only, LVR up to 80% | 7.04% | 6.90% |
| Fixed 5 years, Investor, Interest only, LVR up to 80% | 7.04% | 6.94% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 80% | 7.09% | 6.70% |
| Fixed 1 year, Owner occupier, P&I, LVR 90 to 95% | 7.09% | 7.32% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 80% | 7.09% | 6.76% |
| Fixed 2 years, Owner occupier, P&I, LVR 90 to 95% | 7.09% | 7.32% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 90% | 7.09% | 6.91% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 90% | 7.09% | 6.96% |
| Variable, Owner occupier, P&I, LVR 90 to 95% | 7.13% | 7.33% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 90% | 7.14% | 6.88% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90% | 7.14% | 6.93% |
| Fixed 3 years, Investor, P&I, LVR 80 to 90% | 7.14% | 6.98% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 80% | 7.19% | 6.84% |
| Fixed 3 years, Owner occupier, P&I, LVR 90 to 95% | 7.19% | 7.34% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90% | 7.24% | 7.00% |
| Fixed 4 years, Investor, P&I, LVR 80 to 90% | 7.24% | 7.06% |
| Fixed 5 years, Investor, P&I, LVR 80 to 90% | 7.24% | 7.10% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 80% | 7.29% | 6.93% |
| Fixed 4 years, Owner occupier, P&I, LVR 90 to 95% | 7.29% | 7.39% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 80% | 7.29% | 6.99% |
| Fixed 5 years, Owner occupier, P&I, LVR 90 to 95% | 7.29% | 7.40% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 90% | 7.34% | 7.08% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90% | 7.34% | 7.13% |
| Fixed 1 year, Owner occupier, Interest only, LVR 80 to 90% | 7.39% | 6.78% |
| Fixed 2 years, Owner occupier, Interest only, LVR 80 to 90% | 7.39% | 6.86% |
| Fixed 3 years, Owner occupier, Interest only, LVR 80 to 90% | 7.49% | 6.97% |
| Variable, Owner occupier, Interest only, LVR up to 80% | 7.53% | 7.10% |
| Fixed 4 years, Owner occupier, Interest only, LVR 80 to 90% | 7.59% | 7.08% |
| Fixed 5 years, Owner occupier, Interest only, LVR 80 to 90% | 7.59% | 7.16% |
| Variable, Owner occupier, Interest only, LVR 80 to 90% | 8.03% | 7.36% |
Rate moves, last 30 days
- 7 October 2026: 14 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 60%, from 6.14% to 6.39%.
- 5 October 2026: 6 tiers lifted 0.25pp; the lowest, Fixed 5 years, Investor, P&I, LVR up to 80%, from 6.69% to 6.94%.
Published fees
| Fee | Amount |
|---|---|
| Establishment Feeupfront | $299 |
| Security Processing Feeupfront | $199 |
| Monthly Service Feerecurring | $15 |
| Bank Cheque Feewhen it happens | $10 |
| Online Redraw Feewhen it happens: Charged when completing a redraw online | $0 |
| Manual Redraw Feewhen it happens: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking | $0 |
| Duplicate Feewhen it happens | $16.50 |
| Default Feewhen it happens | $35 |
| Variation Feewhen it happens | $250 |
| Discharge Administration Feeon exit | $350 |
| Break Cost Fee: 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 yo | see lender |
Other Bendigo Bank home loans
Bendigo Express Home Loan 6.14%Bendigo Easy Home Loan 6.34%Bendigo Complete Home Loan 6.39%Bendigo Flex Home Loan 6.39%First Home Buyers (Bendigo Complete Home Loan) 6.43%Single Parents (Bendigo Complete Home Loan) 6.43%Non-Individual Residential Investment Loan (NIRIL) 6.74%Bendigo Bridging Home Loan 10.54%
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