Home Loans

Own your home faster.

With low rates, flexible options and fixed and variable interest rates, it’s easy to find the right loan.

Our flexible range of home loans can be used to purchase or build new homes, refinance existing ones or even purchase investment properties.

Lock in your rate with a Fixed Home Loan and relax knowing that your repayments will stay the same for the duration of the fixed term. Or make the most of interest rate reductions with our Basic Variable Home Loan or Standard Variable Home Loan.

Or split your loan to combine the stability of a fixed interest rate with the flexibility of a variable rate of interest for no fee and have the best of both worlds!

We can approve your loan three months in advance so you can search for your home or property with confidence.

Borrow up to 95% of the value of the security property and take advantage of loan terms of up to 30 years.

Our home loans offer flexible principal and interest repayment options. You choose when and how you pay. You can also choose to make extra repayments on top of your regular repayments.

We love to share the wealth. That’s why Beyond Bank is a mutual bank. Our profits go towards our customers and community projects, not share market investors. Join the bank that gives back.

  4.74 %* p.a.
Comparison rate 5.43 % p.a.
1 year fixed rate pinnacle +plus package. Loans $200,000 plus.
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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.
 


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.


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.


Fees

Establishment fee: $4453

Settlement fee: $150
 

Optional Add-ons


Mortgage Repayment Insurance

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

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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.

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Need the convenience of a credit card?

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

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Mobile Banking

Get the Beyond Bank Mobile App! An easy way to pay bills, transfer money and access your account details.

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* Interest rate is current as of 22/10/2013.

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.

 

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.

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.
 


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