All-In-One Home Loan

Access your cash. Reduce your interest repayments.

An All-in-One Home Loan lets you pay how and when you want. Pay your income and other funds into the one line-of-credit home loan account and access your cash for everyday expenses or larger transactions.

Reduce the interest you're paying by having your salary deposited into your loan each month, without having to compromise on your everyday access to cash. Invest when the opportunity arises. Access your property equity to take advantage of investment opportunities as they come up.

Apply for this line of credit home loan to start enjoying benefits such as no monthly fee or account keeping. It also offers great flexibility with a competitive variable rate and three-month pre-approval.

Purchase your new home or investment property or finance your renovations with this line of credit home loan.

Variable owner occupied interest rate


Streamlined repayments with easy access

  • Competitive, variable interest rate
  • Easy money management. Pay your income and other funds into the one line-of-credit home loan account
  • Everyday banking. Access your cash for everyday expenses or larger transactions
  • No set principal repayments1
  • Three-month pre-approval. We can approve your loan three months in advance so you can search for your home/property with confidence
  • Borrow up to 90% of the value of the security property2
  • Loan terms up to 25 years. Maximise your loan term and minimise your regular repayments

  • Split your loan. Combine the stability of a traditional home loan and flexibility of a line of credit home loan
  • Flexible principal and interest repayment options. You choose when, how and how much you pay
  • Discounted interest rates available for Pinnacle Plus customers!3



  • Establishment fee: $4454
  • Settlement fee: $150
  • Monthly service fee: $0

Home Loan Repayments

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* Interest rate is current as of 27/04/2017.

1. Interest-only repayments are due monthly.
2. Lenders Mortgage Insurance is required where the loan is greater than 80% of the value of the security property. This may vary based on the location of the property.
3. 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. For the period 11/5/2014 to 31/8/14 package benefits apply to all new eligible mortgage secured loans greater than $50,000.
4. Other upfront fees including valuation fees and government charges are payable.

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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