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First Home Buyers (Bendigo Complete Home Loan)
Bendigo Bank's First Home Buyers (Bendigo Complete Home Loan) is a home loan open only to a stated occupation, employer or membership. 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 6.18% to 6.43%.
Advertised rate
6.43%
headline tier
Comparison rate
6.65%
as published
Last moved
+0.25pp
7 October 2026
Advertised rate, last 30 days. Between 6.18% and 6.43% over the last 30 days.
Every current rate (7)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I | 6.43% | 6.65% |
| Variable, Owner occupier, Interest only | 6.43% | 6.65% |
| Fixed 1 year, Owner occupier, P&I | 6.59% | 6.67% |
| Fixed 2 years, Owner occupier, P&I | 6.59% | 6.68% |
| Fixed 3 years, Owner occupier, P&I | 6.69% | 6.73% |
| Fixed 4 years, Owner occupier, P&I | 6.79% | 6.79% |
| Fixed 5 years, Owner occupier, P&I | 6.79% | 6.81% |
Rate moves, last 30 days
- 7 October 2026: Variable, Owner occupier, P&I lifted 0.25pp, from 6.18% to 6.43%.
- 7 October 2026: Variable, Owner occupier, Interest only lifted 0.25pp, from 6.18% to 6.43%.
- 5 October 2026: Fixed 2 years, Owner occupier, P&I lifted 0.05pp, from 6.54% to 6.59%.
- 5 October 2026: Fixed 1 year, Owner occupier, P&I lifted 0.10pp, from 6.49% to 6.59%.
- 5 October 2026: Fixed 3 years, Owner occupier, P&I lifted 0.20pp, from 6.49% to 6.69%.
- 5 October 2026: Fixed 5 years, Owner occupier, P&I lifted 0.25pp, from 6.54% to 6.79%.
- 5 October 2026: Fixed 4 years, Owner occupier, P&I lifted 0.25pp, from 6.54% to 6.79%.
Published fees
| Fee | Amount |
|---|---|
| Search Processing Feeupfront: Payable for the bank to perform a title search or other searches relating to your application. | $50 |
| Valuation Feewhen it happens: The cost of having the security valued by a third party (this can vary depending upon the location and access available to the property). | see lender |
| Manual Redraw Feewhen it happens: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking | $0 |
| Online Redraw Feewhen it happens: Charged when completing a redraw online | $0 |
| Agent Lodgement Feewhen it happens: Payable for an agent of the bank to attend the settlement of your property or lodging the security interests attached to your loan | $125 |
| Break Cost Fee and Prepayment Feewhen it happens: A Break Cost Fee is payable to us each time any of the following break events occur during a fixed rate period: • at your request, we agree to vary your annual | see lender |
| Monthly Feerecurring | $15 |
| Discharge Administration Feeon exit | $350 |
| Variation Fee - Simplewhen it happens | $150 |
| Variation Fee - Complexwhen it happens | $300 |
| Building Loan Fee - Contract Builderupfront | $100 |
| Building Loan Fee - Owner Builderupfront | $200 |
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%Bendigo Flex Home Loan (Retail) 6.39%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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