Ready to apply?
Don’t miss out on your next dream home, apply now and you can shop with confidence. Once you have applied online we will be in touch.
Our experts can call or come to you to talk through your options, like how much you can borrow and what loan type suits you.
Why Beyond Bank Australia?
At Beyond Bank Australia, we’re the other way to bank.
What do we mean by that? It’s simple. We’re a mutual bank which is 100% owned by its customers. Which means we use profits to benefit our customers, like this great low rate home loan, and the communities in which they live.
Learn who we are.
Award winning home loans
We pride ourselves on our award winning range of home loans, which have consistently been awarded the Canstar 5 Star Rating for outstanding value, best value for money and fantastic features. Even our customers agree!
More than just a great low rate
- Owning your dream home sooner
Enjoy a great low rate and extra features which will help you on your way to owning your home sooner!
- Free redraw available
Redraw available cash from your home loan. A redraw facility enables you to pay extra off your home loan knowing you can access your money when needed.
- 100% Offset Account
Save on interest. An Offset Account allows you to use savings to minimise the amount of interest payable on your home loan.7
- 10% insurance discount
Protect your dream home with PremierCare® Home & Contents Insurance and the advantage of a 10% discount2,3 with any new home loan.4
- Financial Planning
Your first financial planning appointment is on us. Discover how to protect your largest asset and your family from financial stress, and have a plan to help secure your financial future.
- Award winning home loans
Consistently winning home loan awards year on year, based on our fantastic home loan features and best value for money.
Meet Sarah & Steven
Buying your any home is both exciting and nerve-wracking. It is a major decision that takes lots of planning and research before you reach the exciting stages of moving in and renovating.
See Sarah & Steven’s journey to their new home.
How much can I save?
Work out what’s right for you, calculate how much you’ll save over the life of your loan with our fast, easy calculator. How much can I save?
Get a free valuation
Find out how much your current or potential dream home is worth with our free property report. We will email you a report at an individual house or suburb level.
Don’t miss a detail at your next open house with our complimentary open house checklist.
Home buying made easy
Sign up to receive a 5 part email series full of home buying tips, inspection checklists and more. Start learning.
Save 10% on Home and Contents Insurance
Protect one of your most valuable assets with Home and Contents Insurance. For year round protection, choose PremierCare® Home & Contents Insurance, and receive a 10% discount2, 3 with any new home loan.4
You could also benefit from a 30% No Claim Bonus5 or pay by the month at no extra cost6.
It’s simple to apply online for your home loan. Once completed, you'll receive an email confirmation of your application and then one of our friendly staff will guide you the rest of the way.
Call 13 25 85
Apply over the phone with experienced home loan specialists. Our Australian based national call centre is open 8am-8pm Monday to Friday and 9am-3pm Saturday (ACST).
With branches located nationally our local Lending Specialists can assist you with your home loan application, or put your feet up and let our Mobile Lenders come to you.
Want to know more about buying a home or what loan would suit you best? Choose a time that suits you, and we will be in touch to talk you through the home loan journey.
1. There is no establishment fee ($495), settlement fee ($150) or monthly fees on this interest rate. Valuation fees and other fees (such as government charges) may apply.
2. Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.
3. Any discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). From time to time, promotional or other discounts may be available for customers who apply for insurance via our Contact Centre.
4. Neither we nor any of our related companies guarantee the benefits payable under the policies or the repayment of any premium. Home Insurance is provided by Allianz Australia Insurance Limited (“Allianz”) ABN 15 000 122 850 AFSL 234708. We act as an agent of Allianz in arranging this insurance and not as your agent. PremierCare® is a registered trade mark of Beyond Bank Australia. Any advice here does not take into account your objectives, financial situation or needs, which you should consider before acting on any of our recommendations. All information regarding the benefits, features or extent of cover provided by any of the policies is provided as a summary only. You should refer to the relevant Product Disclosure Statement (“PDS”) for the full policy terms, conditions, exclusions and limitations. The PDS is available from Beyond Bank Australia by calling 13 25 85 or online at beyondbank.com.au. If you buy this insurance we may receive a commission from the insurer (ranging from 0% - 30%) calculated as a percentage of the premium you pay, not including any taxes or other government charges.
5. To qualify for the maximum No Claim Bonus of 30%, customers must have had no home or contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for a reduced No Claim Bonus.
6. Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding, and financial institution transaction fees may apply.
7. 100% Offset is available on Variable Rate and 1 Year Fixed Rate loans only.
*Special Low Rate Variable Home Loan is only available to new loans or increases to existing loans when the minimum new borrowing amount is $150,000 and the LVR does not exceed 60% on selected eligible owner occupied home loan products. No package or other discounts will apply to the advertised rate. Offer available for a limited time only and may be withdrawn at anytime. Split loans, land rent loans, interest only loans, loans requiring multiple security, bridging & building loans are not eligible. Terms, conditions, fees, charges and normal lending criteria apply. The comparison rate is calculated on a $150,000 loan with monthly repayments over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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. Terms, conditions, fees, charges and normal lending criteria apply. Interest rates are subject to change without notice.
Financial planning services are provided by Eastwoods Wealth Management Pty Ltd ABN 17 008 167 002 / AFSL 237853 trading as Beyond Bank Australia Wealth Management. Eastwoods Wealth Management Pty Ltd is a subsidiary of Community CPS Australia Ltd ABN 15 087 651 143 / AFSL 237 856 trading as Beyond Bank Australia.