Basic Variable Home Loan

Your new home is waiting.

This Basic Variable Home Loan offers excellent value. Enjoy a low variable interest rate, no establishment fee for first home buyers and three-month pre-approval.

Purchase your new home or refinance your existing loan with this low-interest, no frills home loan.

Includes everything you need to manage your repayments and the option to redraw, with loan terms up to 30 years.

Beyond Bank is the other way to bank. As mutual bank, we don’t serve share market investors. We positively affect our customers’ lives, passing on profits as savings for our customers and support for community projects. Join the bank that gives back.

Interest rate

Comparison rate

Basic variable owner occupied home loan up to 90% LVR


High value. Low cost.

  • No establishment fee for first home buyers
  • Three-month pre-approval. We can approve your loan three months in advance so you can search for your home or property with confidence
  • Borrow up to 90% of the value of the security property1
  • Loan terms up to 30 years. Maximise your loan term and minimise your regular repayments
  • Redraw option. Withdraw any extra repayments you have made, or you could enjoy a repayment holiday2
  • Parent Equity available
  • Split your loan. Combine the stability of a fixed rate of interest with the flexibility of a variable rate of interest
  • Flexible principal and interest repayment options. Make additional repayments without penalty and choose your payment frequency from weekly to monthly
  • A pre-approved overdraft limit3



  • Establishment fee: $4454
  • Settlement fee: $150
  • Monthly service fee: $11

Home Loan Repayments

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* Interest rate is current as of 26/04/2017.

1. 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.
2. Redraws and repayment holidays are subject to approval. Fees and charges may be payable for the redraw facility.
3. Pre-approved overdraft limits up to $5,000 to approved applicants.
4. Other upfront fees including valuation fees and government charges are payable.

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.

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 AFSL/Australian Credit Licence 237 856. Interest rates are subject to change without notice.

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