The great Australian dream come true.

When taking out a home loan, financial institutions use several criteria to assess a person’s eligibility and ability to service the loan. Beyond Bank’s mobile bankers provide guidance and support to customers throughout the loan application journey, which can sometimes be a little bumpy.

Judith and Fungai applied for a home loan with us after they learnt that we were one of the only financial institutions with remaining places for the First Home Buyers Deposit Scheme (FHBDS).

Judith was a nurse, simultaneously working a full-time and casual job before recently accepting a 12-month fixed-term employment contract at their local hospital in Western Australia. Fungai, working on a casual basis, was the main caregiver to their three children.

“Judith and Fungai were looking for something closer to Judith’s workplace and were so excited to be applying to buy their own home,” said Jodie Nairn, the WA Mobile Banker looking after the couple’s application.

“I knew straight away that they were hard workers with great character and determination,” said Jodie.

The couple moved to Australia from Zimbabwe in 2010. They had become Australian citizens and met all the criteria to be eligible for the FHBDS. Unfortunately, due to not being able to rely on the casual income, and after exhausting all avenues, Jodie had to tell them that they needed to wait until Judith had completed six months of her new contract.

“We were all very disappointed at that point, but I didn’t want to give up on them. They were so committed to the process, and they so wanted to achieve their dream of owning their own home,” said Jodie.

Timing is everything.

At the start of the new year, Jodie contacted the couple to see how they were going. Fungai happily shared that Judith had just received permanency at the local hospital.

Jodie met with them again to retake their application. This time, it was approved and their Beyond Bank home loan settled shortly after, enabling them to buy their new home.

“I still can't find the appropriate words to describe how Jodie dramatically helped us change our lives,” said an elated Fungai.

“There is no better dream than to have what one calls your own home - the great Australian dream! 

"Not having any experience with the home-buying process, we had feared it would be a complicated process. But Jodie made it so simple and stress-free. She guided us through everything we did, and we cannot thank her enough,” said Fungai.

Fungai and Judith with their children are all smiles outside their dream home.

Home ownership a key focus.

Helping our customers into their own home remains a priority for us. 

For customers working towards their first home purchase, this could include assistance with goal setting, budgeting and navigating their way through government-assisted schemes. Where some financial institutions simply say ‘no’ to a home loan applicant, our people are committed to partnering with customers over many months – sometimes years – to help make home ownership a reality.

Also in In the community

Breaking down barriers to sport with Warrnambool Roller Derby.

  • Featured
  • In the community
At Beyond Bank, we know firsthand the big impact we can have when we support community groups. As a customer-owned bank, we’re committed to supporting the people and clubs that make our neighbourhoods stronger and more vibrant.
Read article

An inclusive and supportive workplace for all our employees.

  • Featured
  • In the community
As a customer-owned bank, we are for and with our customers, community and people. This means our business and people should reflect the diverse communities we serve. One of the goals of our Disability Access and Inclusion Plan is to get more people living with a disability to work for us. Caitlin is one of our neurodiverse employees who brings her unique capabilities to our organisation.
Read article

Cody's dream home becomes a reality.

  • Featured
  • In the community
  • Buying A First Home
Buying your first home can be a daunting and challenging experience, especially since the start of the COVID-19 pandemic as increasing property prices and demand was causing headaches for first-time buyers.
Read article
Back to top

Share this page