RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 3.9%  

1300 422 506

Book a Consultation
Search
Close this search box.
New Vision Financial Services
Call us on 1300 422 506
Home Loan Variable: 5.89% (5.80%*) • Home Loan Fixed: 6.09% (6.08%*) • Fixed: 6.09% (6.08%*) • Variable: 5.89% (5.80%*) • Investment IO: 6.13% (6.33%*) • Investment PI: 6.04% (5.95%*)

  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 July 16, 2026  Effective August 19, 2026

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
6.14% PA
Comparison Rate
6.32%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..
  LVR
Minimum: 0.6001000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.18%, Comparison Rate 6.36%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.24%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001000000000000 PERCENT Maximum: 0.9500000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.88%, Comparison Rate 7.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.39%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001000000000000 PERCENT Maximum: 0.9500000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 7.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.43%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001000000000000 PERCENT Maximum: 0.9500000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 7.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.45%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001000000000000 PERCENT Maximum: 0.9500000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 7.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001000000000000 PERCENT Maximum: 0.9500000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 7.12%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.54%, Comparison Rate 6.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.69%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.9001000000000000 PERCENT Maximum: 0.9500000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 7.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.28%, Comparison Rate 6.83%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.78%, Comparison Rate 7.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.44%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 6.53%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.29%, Comparison Rate 6.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.66%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 6.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.72%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 6.89%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.6000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.19%, Comparison Rate 6.37%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.6001000000000000 PERCENT Maximum: 0.7000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.24%, Comparison Rate 6.42%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.7001000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.28%, Comparison Rate 6.46%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.38%, Comparison Rate 6.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.50%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.54%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.56%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.72%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 6.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.99%, Comparison Rate 6.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.6000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.34%, Comparison Rate 6.42%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.6001000000000000 PERCENT Maximum: 0.7000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.39%, Comparison Rate 6.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.7001000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.39%, Comparison Rate 6.49%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.58%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.50%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 6.69%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.58%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.04%, Comparison Rate 6.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.63%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 6.81%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0000000000000000 PERCENT Maximum: 0.8000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 6.67%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001000000000000 PERCENT Maximum: 0.9000000000000000 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 6.85%
  • 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
  • Extra Repayments 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

  • Establishment Fee (Upfront), Amount: Not Listed.. Additional Information: (Currently Waived)
  • Security Processing Fee (Upfront), Amount: Not Listed..
  • Monthly Service Fee (Periodic), Amount: Not Listed..
  • Bank Cheque Fee (Event), Amount: Not Listed..
  • Online Redraw Fee (Event), Amount: Not Listed.. Additional Information: Charged when completing a redraw online
  • Manual Redraw Fee (Event), Amount: Not Listed.. Additional Information: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking
  • Duplicate Fee (Event), Amount: Not Listed..
  • Default Fee (Event), Amount: Not Listed..
  • Variation Fee (Event), Amount: Not Listed..
  • Discharge Administration Fee (Exit), Amount: Not Listed..
  • Break Cost Fee (Event), 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.

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00
  • Max Lvr of 0.95

Like this Mortgage Product?

Share on Facebook
Share on Twitter
Share on Linkdin
Share on Pinterest

© New Vision Financial Pty Ltd ABN 26 609 888 691 ACL 384704 | Privacy • Terms • Disclaimer

New Vision Financial Services