Land Rent Scheme

Buying your new home is cheaper with the Land Rent Scheme.

The ACT Government’s Land Rent Scheme is a more affordable way to own your own home.

Buy or build your property on land that’s rented from the government, so your loan is just for the building. This makes it cheaper and faster to own your own home. Enjoy a low fixed or variable rate, three-month pre-approval and the option to redraw.

Only available in the ACT. Eligibility criteria and government approval are required.

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Interest rate

Comparison rate

Standard variable owner occupied home loan


Buy or build with the Land Rent Scheme

  • 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 holiday.2
  • Flexible principal and interest repayment options. You choose when, how and how much you pay.
  • Additional repayments available3
  • Parent equity available
  • Discounted interest rates available for Pinnacle Plus customers



  • Establishment fee: $4454
  • Settlement fee: $150
  • Monthly service fee: $05

Land Rent Scheme

Find out more about the Land Rent Scheme with the ACT Government’s:


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 13/07/2017.
† Interest rate is current as of 26/04/2017.

1. Borrow up to $500,000 or 90% of the value of the security property (if it’s less than $500,000). 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. Extra repayments are limited to $25,000 in any year during a fixed-rate period. Break costs may be payable on repayments greater than $25,000 in any year with each year commencing on the anniversary of the date the loan was fixed.
4. A settlement fee of $150 and other upfront fees including valuation fees and government charges are payable.
5. Except for the Basic Variable Home Loan, which has a monthly fee of $11.

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.

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