Home Loans

We say thank you for your home loan.

Buying a home is a big decision and we think you should be rewarded.  Rewarded with reduced interest rates for the life of your loan, less fees and benefits on your everyday banking.  It’s our way of saying thank you.

Through our Pinnacle Plus package you’ll receive up to 0.50% p.a. off our Standard Variable Rate Home loan, Investment Loans and All-In-One Accountsb,c and 0.15% p.a. off our Standard Fixed rate Home and Investment Loansc. You’ll also receive no Loan Establishment and Loan Variation feesc, no transaction fees on a range of accounts (including the Access Savings Accounta) and 0.50%p.a. off our Standard Fixed rate Car and Personal Loansc.

We’re also offering no entry or annual package feesd; no Loan Establishment or Loan Variation fees for your immediate family membersc,d.

As a mutual bank our profits go towards our customers and community projects, not share market investors. We offer you lower fees, lower lending rates, higher investment rates, better banking products and support for community projects  It’s our way of saying thank you.

Interest rate

Comparison rate

For new variable rate owner occupied home loans of $150,000 or more with minimum 30% deposit*.

Special Low Rate Variable Home Loan

Available for a limited time only, the Special Low Rate Variable Rate Home is more than just a low rate, you will also benefit from no upfront or ongoing fees1 and greater flexibility. And because your home is your castle, protect it with the advantage of a 10% discount2, 3 off PremierCare® Home & Contents Insurance.4

Award Winning Home Loans

We pride ourselves on our award winning range of home loans, which have consistently been recognised for their outstanding value by Canstar. The 5 star ratings have been awarded year on year based on their fantastic features and best value for money.

Total Home Loan Package

This customisable package saves you money and helps you own your home sooner with the flexibility to combine a range of loan options, product features and fee free everyday banking.

Standard Variable Home Loan

This is a premium home loan with flexible options. With no monthly fee, it offers a competitive variable rate, redraw facility and optional Mortgage Offset Account.

Fixed Home Loan

Do you want the security of knowing what your repayments will be? With a Beyond Bank Fixed Home Loan you can sit back and relax. Choose between 1, 2, 3, 4 or 5 year fixed terms.

Investment Loan

Investment Loans are currently unavailable.

Building Loan

Building Loans are currently unavailable.


Land Rent Scheme

The ACT Government’s Land Rent Scheme is a more affordable way to own your own home. Because you buy or build your property on land that’s rented from the government, your loan is just for the building.

Basic Variable Home Loan

Our Basic Variable Home Loan offers a competitive low variable rate, no establishment fee for first home buyers and pre-approval valid for three months.

First Home Buyers

Buying your first home? We’ll help you with everything you need. We can even process your First Home Owners Grant for you! With low rates and a variety of flexible home loan options, you can buy your new property with confidence.

You may also like

Mobile Lenders

Competitive home loans delivered to your home or work. Our Mobile Lenders can offer you experience, valuable money advice and recommendations to help you achieve your personal goals.

Find Out More

Home & Contents Insurance

Protect one of your most valuable assets with home and contents insurance. Beyond Bank Home and Contents Insurance safeguards your home, all year round.

Find Out More

Mortgage Repayment Insurance

Mortgage Repayment Insurance protects your loan should you die, become ill or become involuntarily unemployed.

Find Out More

Need the convenience of a credit card?

Apply for a Beyond Bank Credit Card and take advantage of our great benefits and features.

Find Out More

Canstar 5 Star Rating for Outstanding Value

Find out more about our Five Star Rating from Canstar for our range of Home and Investment Loans.

* Our Special Low Rate Variable Home Loan is only available to new loans or increases to existing loans when the minimum new borrowing amount is $150,000 and the LVR does not exceed 70% on selected eligible owner occupied home loan products. No package or other discounts will apply to the advertised rate. Split loans, land rent loans, interest only loans, loans requiring multiple security and building loans are not eligible. Offer available for a limited time only and may be withdrawn at anytime. The comparison rate is calculated on a $150,000 loan with monthly repayments over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

1. There is no establishment fee ($495), settlement fee ($150) or monthly fees on this interest rate. Valuation fees and other fees (such as government charges) may apply.

2. Minimum premiums may apply. Any discounts/entitlements only ‎apply to the extent any minimum premium is not reached. If you ‎are eligible for more than one, we also apply each of them in a ‎predetermined order to the premium (excluding taxes and ‎government charges) as reduced by any prior applied ‎discounts/entitlements.‎  
3. Any discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). From time to time, promotional or other discounts may be available for customers who apply for insurance via our Contact Centre. 
4. Neither we nor any of our related companies guarantee the benefits payable under the policies or the repayment of any premium. Home Insurance is provided by Allianz Australia Insurance Limited (“Allianz”) ABN 15 000 122 850 AFSL 234708. We act as an agent of Allianz in arranging this insurance and not as your agent. PremierCare® is a registered trade mark of Beyond Bank Australia. Any advice here does not take into account your objectives, financial situation or needs, which you should consider before acting on any of our recommendations. All information regarding the benefits, features or extent of cover provided by any of the policies is provided as a summary only. You should refer to the relevant Product Disclosure Statement (“PDS”) for the full policy terms, conditions, exclusions and limitations. The PDS is available from Beyond Bank by calling 13 25 85 or online at beyondbank.com.au. If you buy this insurance we may receive a commission from the insurer (ranging from 0% - 30%) calculated as a percentage of the premium you pay, not including any taxes or other government charges. 

Share this page


For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.

As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.

Continue to Website