The benefits of a big bank, the service of a small one.
When you choose Beyond Bank, you’ll get the same stuff the big banks offer – competitive rates, flexible options, and fast approvals – but from an award-winning, customer-owned local bank that genuinely cares about you and your community.
- 295,000 customers and counting
- Over 50 branches across Australia
- Personalised, ongoing support
Let’s find the right loan for you.
Competitive rates, flexible options, and fast approvals. See all interest rates
Why Beyond Bank?
Get to know us a little better. About us
We're customer-owned
Community focus
Proudly B Corp Certified
A long history of lending
Popular home loans.
Variable Purple Basic Loan
A simple, no-frills variable rate with unlimited extra repayments and no annual fees.
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Variable Total Home Loan Package
Reduce the amount of interest you pay on your home loan with a 100% offset account.
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Fixed Total Home Loan Package
Lock in a competitive rate and get the peace-of-mind of repayment certainty.
Go to loanThree steps to home-sweet-home.
- Complete application
It's quick and easy. You'll need details on your income, assets, and expenses handy. - We'll be in touch
After assessing your application, we'll give you a call to chat through your options or get more details. - Get an answer
If approved, you can easily review and sign your documents online.
Ready to get started?
Connect with an experienced Lending Specialist. Schedule an appointment or call us on 13 25 85 Monday to Friday 8am – 8pm, Saturday 9am – 3pm (Adelaide time).
Please read this important information.
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Interest rates apply to new loan applications received from 21 October 2025 and are subject to change without notice. Borrowers who acquired or applied for these products before this date may have a different interest rate. |
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Comparison rates are based on a $150,000 loan 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. |
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Available for new owner occupied, principal and interest loans where the minimum borrowing amount is $150,000, or increases to existing loans where the increased borrowing amount is $50,000 or more and, in all cases, where the LVR (Loan to Value Ratio) does not exceed 80%. We calculate your LVR and determine your eligibility for this rate when we assess your loan. Rates may differ for existing borrowers. No package or other discounts apply to the advertised rate. This offer is available for a limited time only and may be varied, withdrawn, or replaced at any time in Beyond Bank’s sole and absolute discretion. |
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The following loans are ineligible for this offer: Bridging, Building/Construction, Parent Equity, Land Rent Scheme, Interest Only, and Investment. |
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All applications for credit are subject to Beyond Bank’s credit assessment criteria. Terms and conditions are available on request. Fees and charges apply. This information is available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. |
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All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2025. |