Single Parents (Bendigo Complete Home Loan)
Australian Government 5% Deposit Scheme - Single Parents mirrors the Bendigo Complete Home Loan offering a 100% offset account on both variable and fixed rates - allowing you to save interest.
* Check Eligibility Criteria for Scheme Loans
Category: Home Loans Last Updated December 18, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information
Interest Rate
5.38% PA
5.38% PA
Comparison Rate
5.69%PA*
5.69%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, FIXED, 5.43%
- Lending Rate Type: Fixed
- Interest Rate: 5.43%, Comparison Rate 5.70%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.38%
- Lending Rate Type: Fixed
- Interest Rate: 5.38%, Comparison Rate 5.69%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.63%
- Lending Rate Type: Fixed
- Interest Rate: 5.63%, Comparison Rate 5.75%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.93%
- Lending Rate Type: Fixed
- Interest Rate: 5.93%, Comparison Rate 5.87%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
OWNER_OCCUPIED, FIXED, 5.88%
- Lending Rate Type: Fixed
- Interest Rate: 5.88%, Comparison Rate 5.88%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
OWNER_OCCUPIED, VARIABLE, 5.48%
- Lending Rate Type: Variable
- Interest Rate: 5.48%, Comparison Rate 5.71%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
Product Features
- Offset Additional Information: Up to six 100% Offset Accounts per loan
- Redraw Additional Information: Online redraw available
- Other Additional Information: Weekly, fortnightly or monthly repayments
- Extra Repayments Additional Information: Unlimited additional repayments if variable, otherwise 20% of loan balance when fixed
Product Eligibility
- Min Age - 18.
- Other Additional Information: Credit and Lending Criteria, Fees and Charges Apply
- Other Additional Information: Check Eligibility Criteria for Scheme loans.
Bank Fees and Charges
- Monthly Fee (Periodic), Amount: 15.000000.
- Discharge Administration Fee (Exit), Amount: 350.000000.
- Establishment Fee (Upfront), Amount: 784.000000. Additional Information: Incorporates all standard upfront fees into this amount (That is, Application Fee $150, Standard Documentation Fee $250, Settlement Fee $100, Title Search Fee $50, Standard Valuation Fee $234)
- Variation Fee - Simple (Event), Amount: 150.000000.
- Variation Fee - Complex (Event), Amount: 300.000000.
- Building Loan Fee - Contract Builder (Upfront), Amount: 100.000000.
- Building Loan Fee - Owner Builder (Upfront), Amount: 200.000000.
- Guarantee Administration Fee (Upfront), Amount: 250.000000.
- Rate Variation Fee (to Renegotiate Rate) (Event), Amount: 100.000000.
- Repayment Recalculation Fee (Event), Amount: 50.000000.
- Interest Prepayment Fee (Payment), Amount: 85.000000.
- Default Fee (Event), Amount: 35.000000.
- Duplicate Fee (Event), Amount: 16.500000.
- Bank Cheque Fee (Event), Amount: 10.000000.
Limitations & Restrictions (Constraints)
- Min Limit of 5000.00
- Max Lvr of 0.98
Document Downloads
home-loan-booklet.pdf (612.3 KB)
lending-fees-and-charges.pdf (114.2 KB)
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