It's our way of saying thank you for your home loan

Our Total Home Loan Package is more than just a low rate, you will also benefit from less fees1 and greater flexibility. You can choose from variable or fixed rates or split your loan between both rate types at no extra cost. And because your home is your castle, protect it with the advantage of a 10% discount 2, 3 off PremierCare® Home & Contents Insurance.4

Applying is simple. Choose from online, in branch or over the phone and our Home Loan Specialists will guide you through every step.



Interest rate

Comparison rate

Total Home Loan Package variable rate for home loans over $300,000, minimum 20% deposit.

Apply Now Call us on 13 25 85

Image Why choose Beyond Bank Australia 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!

Enquire online

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.

  • Owning your dream home sooner
    With the Total Home Loan Package you 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.
  • Maximise the interest you save
    Our award winning Low Rate Credit Card offer, 0% balance transfer for 12 months, no annual fee, and up to 62 interest free days on purchases.7
  • The Total Home Loan Package
    Tailor your loan to suit your needs, whether you’re a first home buyer, owner occupier, investor or looking to build.
  • 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.
  • 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
  • Award winning home loans
    Consistently winning home loan awards year on year, based on our fantastic home loan features and best value for money.

Apply for a home loan and be part of the other way to bank

Ways we say thank you! Included

Great low variable rate

Flexibility to switch to a fixed rate at anytime

Pay no establishment fee

Principle and Interest and Interest Only

100% Offset Account8

Free redraw

You are a name, not a number

10% Insurance discount2, 3

Award winning home loans

Flexible repayment options (weekly, fortnightly or monthly)

Become an owner of Beyond Bank


The home loan journey starts here

Apply on your phone easily


You can apply online, over the phone, in branch or our Mobile Lenders can come to you. Applying is simple and easy, we will be able to discuss how much you can borrow, what sort of a deposit you will need and more.

Apply wherever is convenient

Let us do the work

Once we have your application we ensure the application is completed and approved, we may contact you for additional documents (like payslips) during this time. We will keep you in the loop every step of the way.

Get your new home quickly

Own your home sooner!

With the Total Home Loan Package, you enjoy a great low rate with no fees and extra features which will help you on your way to owning your home sooner!

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.

How much will my repayments be?

Calculate your borrowing power!

Work out what’s right for you, calculate how much you’ll save over the life of your loan with our fast, easy calculator.

We're here to help

Apply online

It's simple to apply online for your home loan. Once completed, you will receive an email confirmation of your application and then one of our friendly staff will guide you through the rest of the journey.

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Call us on 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).

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Visit us

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.

Find Out More

Enquire online

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.

Find Out More

1. There is no establishment fee ($495) on this interest rate, annual package fee of $395 applies. Settlement  and 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 by calling 13 25 85 or online at 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. Offer is only available on balances transferred from non-Beyond Bank credit or store cards, minimum balance transfer of $500 applies. Balance transfer must be requested by you within one month of the date your credit card has been funded.  After the balance transfer period any remaining balance will revert to the interest rate for purchases, to view the current rate click here.  Interest free periods on purchases do not apply if you do not pay your closing balance (which includes any balance transfer) shown on your credit card statement in full by the applicable due date. 
8. 100% Offset is available on Variable Rate and 1 Year Fixed Rate loans only.
*Total Home Loan Package Variable Rate available to new money loans between $300,000-499,999. Annual package fee applies. LVR <80%. 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.


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