Fixed Rate Home Loan



Lock it in, with fixed interest rates.

Do you want the security of knowing what your repayments will be? With a Beyond Bank Fixed Rate Home Loan you can sit back and relax.

Our Fixed Rate Home Loan has no monthly fee and also offers great flexibility with a low fixed rate and three-month pre-approval.

Purchase your new home or investment property; build a new home; or finance your renovations with this premium home loan.

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.

%*
p.a.
Interest rate

%
p.a.
Comparison rate

1 year fixed rate owner occupied loan

Benefits

Plan with certainty

  • Low, fixed interest rate. Enjoy the security of knowing it won’t change during your fixed-rate term.
  • 1, 2, 3, 4, or 5-year fixed interest rates available
  • 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 95% of the value of the security property2
  • 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 holiday3
  • Split your loan. Combine the stability of a fixed rate of interest with the flexibility of a variable rate of interest.
  • Choose to pay interest only1
  • Flexible principal and interest repayment options. Make additional repayments without penalty and choose your payment frequency from weekly to monthly.
  • Make up to $25,000 in extra repayments each year
  • Bridging finance available
  • Discounted interest rates available for Pinnacle Plus customers!4
  • A pre-approved overdraft limit5
  • Parent Equity available

Fees

  • Establishment fee: $4456
  • Settlement fee: $150
  • Monthly service fee: $0

 


Rates

4.44 %* p.a.
Interest rate
5.08 % p.a.
Comparison rate
Fixed 1 year
4.14 %† p.a.
Interest rate
4.96 % p.a.
Comparison rate
Fixed 2 year
4.14 %‡ p.a.
Interest rate
4.88 % p.a.
Comparison rate
Fixed 3 year
4.69 p.a.
Interest rate
5.00 % p.a.
Comparison rate
Fixed 4 year
4.69 p.a.
Interest rate
4.97 % p.a.
Comparison rate
Fixed 5 year

Loan reverts to our standard variable rate at the end of the period. View our full home loan interest rates.

Home Loan Repayments

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* Interest rate is current as of 29/12/2016.
† Interest rate is current as of 29/12/2016.
‡ Interest rate is current as of 29/12/2016.
§ Interest rate is current as of 29/12/2016.
¶ Interest rate is current as of 29/12/2016.

1. Interest only available for terms up to five years.
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. Redraws and repayment holidays are subject to approval. Fees and charges may be payable for the redraw facility.
4. 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.
5. Pre-approved overdraft limits up to $5,000 to approved applicants.
6. 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.
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.


The Total Home Loan Package
The Total Home Loan Package
We've got home loans all wrapped up.
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