Welcome to Beyond Bank

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Don’t settle. Go beyond.

Thinking of moving to your next home, or perhaps you are looking for more ways to save on your current home loan?

See how we compare:

  • Special low 3.83%p.a. variable rate, 3.83%p.a. comparison*
  • Free online redraw, unlimited additional repayments
  • 100% mortgage offset account.7

No upfront or ongoing fees 1

Interest rate

Comparison rate

Variable rate for owner occupied home loans over $150,000, minimum 30% deposit.

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.

Still looking?

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?

At Beyond Bank Australia, we’re the other way to bank. 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

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
  • Up to 10% insurance discount
    Protect your dream home with PremierCare® Home & Contents Insurance and the advantage of up to 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.

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 up to 10% discount2, 3 with any new home loan.4

You could also benefit from No Claim Bonus of up to 30%5 or pay by the month at no extra cost6.

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 property report

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.

Inspection checklist

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.

At Beyond Bank we go beyond in everything we do.

That means doing more for our customers than they ever expected.

We help them go beyond what they thought they could achieve, whether that’s saving more, owning more or simply doing more good.

And that’s just one of the reasons why we’re the other way to bank.


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 may be subject to rounding and 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.‎ Discounts may not be applied to any flood component of the premium (if applicable).‎ 
3. Any discounts offered are applied to our standard rates and are for the first year’s premium only (unless stated otherwise).
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 issued by Allianz Australia Insurance Limited (“Allianz”) ABN 15 000 122 850 AFSL 234708. Community CPS Australia Limited ABN 15 087 651 143 AFSL No. 237856 trading as Beyond Bank Australia acts 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 70% 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 and 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.

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For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.

As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.

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