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

Total Home Loan Package fixed rate for owner occupied loans.

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.

All-in-One Home Loan

An All-in-One Home Loan lets you put your funds into the one line-of-credit home loan account and access your cash for everyday expenses or larger transactions so you can save on interest and still access your cash.

Investment Loan

Investment loans are straightforward with Beyond Bank. We offer a flexible range of investment loan options to help you get the best deal. With low rates and flexible options including interest only repayments 2, you can invest in property with confidence.

Building Loan

Building your own home is a big project. Luckily, our Building Loan makes it easier! Choose from a competitive fixed or variable interest rate and make interest only repayments for the duration of the construction.


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.

a. Please refer to the transaction fees section in terms and conditions for more information.
b. A 0.30% p.a. discount applies to all new eligible loans greater than $200,000 and less than $300,000. A 0.50% p.a. discount applies to all new eligible loans $300,000 or more; and top-up advances of $20,000 or more where total eligible loan balances is $300,000 or more.
c. Benefits apply to all loans listed as eligible products excluding all SMALLBIZ loans.
d. Benefits apply to eligible products only. Terms, conditions, fees, charges and normal lending criteria apply.

1 pinnacle +plus package is available to member with combined balances of $200,000 or more in eligible loans and deposits. Other eligibility, terms and conditions apply. Terms, conditions, fees and charges, and lending criteria apply to all loans. Full details are available at the time of application or by contacting us. Package benefits apply to all new eligible mortgage secured loans greater than $200,000.
2. Interest only repayments are available for terms up to five years.
3. Other upfront fees including valuation fees and government charges are payable.
* Pinnacle +plus package is available to customers with combined balances of $200,000 or more in eligible loans and deposits. Other eligibility, terms and conditions apply. Package benefits apply to all new eligible mortgage secured loans greater than $200,000.
Comparison rates are based on a loan of $150.000 with monthly repayments over a term of 25 years. Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Interests are subject to change without notice.
Terms, conditions, lending criteria, fees and charges apply. Full details are available at the time of application or by contacting us. All loans are provided by Beyond Bank Australia, a trading name of Community CPS Australia Ltd ABN 15 087 651 143. Interest rates are subject to change without notice.
Our Variable Rate Special interest rate is only available to new loans or top-up’s to existing loans when the minimum new borrowing amount is $150,000 and the LVR does not exceed 70% on selected eligible home and investment loan products. No package or other discounts will apply to the advertised rate.

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