Building Loan

Build your dream home

Building your own home is a massive task. Luckily, our Building Loan makes it easier!

Take out a Building Loan for your new home or investment property. Choose from a competitive fixed or variable interest rate.1

Relax and make interest-only payments during the construction period. This makes it easier to meet your repayments during the most costly period of your loan.

Our Building Loan has no monthly fee for account keeping and offers great flexibility with a low rate and three-month pre-approval so you can find the right builder.

We’re a mutual bank. That means our profits benefit our customers and communities – not share market investors. Enjoy lower fees, lower lending rates, higher investment rates, better banking products and support for community projects in your local area. Join the bank that gives back.

Interest rate

Comparison rate

Standard variable rate owner occupied loans up to 90% LVR

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  • Three-month pre-approval. We can approve your loan three months in advance so you can search for your licensed builder with confidence.
  • Progress payments to a pre-arranged schedule with your builder2
  • Borrow up to 95% of the completed value of the security property3
  • Loan terms up to 30 years. Maximise your loan term and minimise your regular repayments.
  • Split your loan. Combine the stability of a fixed rate of interest with the flexibility of a variable rate of interest.
  • Interest-only repayments during construction. These increase as you make progress payments, but we’ll tell you the amount due each month.
  • Make additional repayments4
  • Bridging finance available
  • Discounted interest rates available for Pinnacle Plus customers!5
  • A pre-approved overdraft limit 6
  • Parent Equity available


Establishment fee: $4457

Settlement fee: $150

Monthly service fee: $0

Choose from

4.50 %† p.a.
Interest rate
4.67 % p.a.
Comparison rate
Basic Variable Home Loan
5.20 %* p.a.
Interest rate
5.24 % p.a.
Comparison rate
Standard Variable Home Loan

Variable Rate Owner Occupied Home Loans

View our full home loan rates.

Home Loan Repayments

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* Interest rate is current as of 27/04/2017.
† Interest rate is current as of 26/04/2017.

Interest rates displayed are for a maximum Loan to Value Ratio (LVR) of 90%. Loans where the LVR is above 90% will receive a higher interest rate. Borrowing additional funds to cover fees and other associated loan costs (including capitalised Lenders Mortgage Insuance) may increase your LVR above 90%, if this happens you will receive the higher rate. You can find out what the diferent interest rates are and what rate you may be eligable for by contacting us. 

1 The loan converts to a variable or fixed rate home loan or All-In-One Account at the end of the construction period with all the features of those loans available to you.
2. Progress inspections may be required throughout the building process. A fee may be payable for each inspection and progress payment.
3. 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. Higher interest rates apply on loans where the LVR is more than 90%.
4. Make up to $25,000 in extra repayments each year for the Fixed Home Loan.
5. 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.
6. Pre-approved overdraft limits up to $5,000 to approved applicants.
7. A settlement fee of $150 and 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. Interest rates are subject to change without notice.

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