{ "brand": "Connective Select", "brand_label": "Connective Select", "brand_slug": "connective-select", "legal_entity_abn": "11068049178", "public_base_uri": "https://api.connective.app.bendigobank.com.au", "logo_uri": "https://www.bendigobank.com.au/siteassets/partner/tpb/connective-select.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T00:52:15Z", "at_a_glance": { "note": "This bank's lowest ranked rate per purpose, repayment type and rate kind, one line each: the lowest of the bank's own entries in the best/{purpose}/{repayment}/{lvr}/{loan}/{kind}.json buckets (broker-only rates left out, as there), so it matches best/ and top/. A bank that lends only to a named group (restricted membership) is left out of their entries and top but listed in entries_with_restricted; its lines here carry eligibility, a key into eligibility_sets saying who can borrow, with the bank's own words. reference_lvrs are the bucket LVRs where it is the bank's entry; a higher LVR usually costs more and that rate is in rows. Null lvr_min and lvr_max mean the bank states no LVR band, read as up to 80%. conditions is a key into condition_sets. unranked counts the rows no bucket ranks. comparison_rate_at_600000_pct is our comparison rate for a $600,000 loan over 25 years from the bank's published fees, not the bank's own figure (comparison_rate_pct, on $150,000); null where our check against the bank's figure failed or a fixed rate's revert rate is not known. Every product and rate row follows in products and rows.", "rates": [ {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"variable","rate_pct":6.59,"comparison_rate_pct":6.61,"comparison_rate_at_600000_pct":6.59,"product_label":"Basic Home Loan","lvr_min":50.01,"lvr_max":60,"reference_lvrs":[60],"loan_min":5000,"loan_max":null,"annual_fee":0,"upfront_fees":null,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.59,"comparison_rate_pct":6.79,"comparison_rate_at_600000_pct":null,"product_label":"Basic Home Loan","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":5000,"loan_max":null,"annual_fee":0,"upfront_fees":null,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.59,"comparison_rate_pct":6.77,"comparison_rate_at_600000_pct":null,"product_label":"Basic Home Loan","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":5000,"loan_max":null,"annual_fee":0,"upfront_fees":null,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.69,"comparison_rate_pct":6.78,"comparison_rate_at_600000_pct":null,"product_label":"Basic Home Loan","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":5000,"loan_max":null,"annual_fee":0,"upfront_fees":null,"exit_fees":350,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, 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bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "6afe8345-df21-4a4c-8017-16ef2dda2c91", "product_name": "Connective Select Basic Home Loan", "product_label": "Basic Home Loan", "product_url": "https://www.bendigobank.com.au/partner/connective-select/home/", "product_url_source": "feed", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "terms_url_source": "found by hand 2026-11-01: terms and conditions", "description": "For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees (MSF).", "offset": false, "redraw": true, "extra_repayments": true, "annual_fee": 0.0, "upfront_fees": null, "exit_fees": 350.0, "fees": [ { "name": "Online Redraw Fee", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged when completing a redraw online" }, { "name": "Manual Redraw Fee", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking" }, { "name": "Break Cost Fee", "fee_type": "OTHER", "amount": null, "frequency": null, "info": "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…" }, { "name": "Discharge Administration Fee", "fee_type": "EXIT", "amount": 350.0, "frequency": null, "info": null }, { "name": "Security Processing Fee", "fee_type": "UPFRONT", "amount": 199.0, "frequency": null, "info": null }, { "name": "Variation Fee", "fee_type": "EVENT", "amount": 250.0, "frequency": null, "info": null }, { "name": "Default Fee", "fee_type": "EVENT", "amount": 35.0, "frequency": null, "info": null }, { "name": "Duplicate Fee", "fee_type": "EVENT", "amount": 16.5, "frequency": null, "info": null }, { "name": "Bank Cheque Fee", "fee_type": "EVENT", "amount": 10.0, "frequency": null, "info": null }, { "name": "Monthly Admin Fee", "fee_type": "PERIODIC", "amount": 0.0, "frequency": "P1M", "info": "This fee is charged to cover the regular administration and servicing required for your loan" } ], "fees_as_published": null, "max_lvr": 80.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://api.connective.app.bendigobank.com.au/cds-au/v1/banking/products/6afe8345-df21-4a4c-8017-16ef2dda2c91", "source_snapshot": "/au/finance/home-loans/v1/source/connective-select/6afe8345-df21-4a4c-8017-16ef2dda2c91.json", "snapshot_at": "2026-11-13T01:21:21Z", "bank_last_updated": "2026-11-13T11:52:15+11:00", "correction": null, "row_count": 33, "conditions": [ "Break cost fee if more than $20,000 is repaid in a fixed-term year" ] }, { "product_id": "5514a8a6-855d-4563-8650-795115b26c86", "product_name": "Connective Select Offset Home Loan", "product_label": "Offset Home Loan", "product_url": "https://www.bendigobank.com.au/partner/connective-select/home/", "product_url_source": "feed", "terms_url": "https://www.bendigobank.com.au/siteassets/partner/contentpages/_documents/home-loan-terms-and-conditions.pdf", "terms_url_source": "found by hand 2026-11-01: terms and conditions", "description": "For customers who want flexibility to pay down their loan sooner and access additional features such as up to 6 offset accounts.", "offset": true, "redraw": true, "extra_repayments": true, "annual_fee": 180.0, "upfront_fees": 299.0, "exit_fees": 350.0, "fees": [ { "name": "Online Redraw Fee", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged when completing a redraw online" }, { "name": "Manual Redraw Fee", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking" }, { "name": "Monthly Admin Fee", "fee_type": "PERIODIC", "amount": 15.0, "frequency": "P1M", "info": null }, { "name": "Break Cost Fee", "fee_type": "OTHER", "amount": null, "frequency": null, "info": "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…" }, { "name": "Discharge Administration Fee", "fee_type": "EXIT", "amount": 350.0, "frequency": null, "info": "Payable: each time we provide a partial or full discharge or release of mortgage or security interest in respect of any Mortgaged Property; and when you repay…" }, { "name": "Establishment Fee", "fee_type": "UPFRONT", "amount": 299.0, "frequency": null, "info": "(Currently Waived)" }, { "name": "Security Processing Fee", "fee_type": "UPFRONT", "amount": 199.0, "frequency": null, "info": null }, { "name": "Variation Fee", "fee_type": "EVENT", "amount": 250.0, "frequency": null, "info": null }, { "name": "Default Fee", "fee_type": "EVENT", "amount": 35.0, "frequency": null, "info": "Payable each time you are in default. 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