Let’s see what you could save by switching.
See how your current loan stacks up against our Variable Total Home Loan Package.
We make refinancing beyond easy.
Flexible features
Consolidate your debts
Quick approvals
Award-winning digital banking
Four simple steps to your new rate.
Moving to Beyond Bank is easier than you might think.
- Make sure we’re a good match.
Explore your options with a Lending Specialist to find a loan that’s right for you. - Apply for a loan or pre-approval.
Give your documents and details to your Lending Specialist and handle the hard stuff. - Get an answer.
We’ll assess your application and let you know if your loan is good to go. - Accept your offer.
We’ll speak with your old lender and deal with the paperwork for you.
More reasons to refinance.
Competitive rates and Australian-based support are just the start. Join a bank that cares about more than making money.
We're member-owned
Our profits go towards things that matter to you, like competitive rates, fairer fees and local service.
Community focus
We support more than 45 Australian communities through branches, community partnerships and employment opportunities.
Proudly B Corp Certified
We meet international standards of social and environmental performance, accountability, and transparency.
A long history of lending
We’ve been helping Australians own their own home for more than 65 years.
Ready to get started?
Connect with a Lending Specialist to get started.
Schedule an appointment below or call us on 13 25 85 Monday to Friday 8am – 8pm, Saturday 9am – 3pm (Adelaide time).
FAQs.
We can help you to lodge an application so we can understand what you need to borrow, your income details as well as understand what you own and/or any loans or credit you owe. That way we can let you know if we can help with your refinance and if it is the right moment for you to do it. It is also important that you know all the details of your current mortgage such as interest rate, fees and features of your loan.
After we have done this initial assessment and collate all documents required, we sent you the contracts you need to accept and we also have you authorise Beyond Bank to get in touch with your current financial institution to refinance your loan.
Useful links
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Although many aspects of the application process are standard, in order to understand how much you can borrow we need to understand your individual circumstances.
You can:
- Contact our Member Service Centre Monday to Friday 8:00am - 8:00pm (Adelaide time) and Saturdays 9:00am - 3:00pm (Adelaide time)
- Contact us via Live Chat for general information Monday to Friday 9:00am - 6:00pm (Adelaide time) and Saturdays 9:00am - 3:00pm (Adelaide time)
- Attend a branch
- Meet with an experienced Lending Specialist.
Useful links
We’re glad you’re happy. Feel free to share more!
Sorry to hear that! Please share how we can improve.
You can contact our Member Service Centre to apply over the phone, apply through our website at your convenience, attend a branch or have one of our experienced Lending Specialists come to you.
Useful links
We’re glad you’re happy. Feel free to share more!
Sorry to hear that! Please share how we can improve.
Currently, we offer home loans to all approved applicants, as well as construction loans and investment loans. Contact us for more detail.
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Sorry to hear that! Please share how we can improve.
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Interest rates apply to new loan applications received from 12 August 2026 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 60%. 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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100% mortgage offset is only available on selected variable rate home or investment loans. Account holders for the offset facility must also be the account holders of the linked home loan. A minimum $500 balance must be retained in the offset account to receive the benefit. . |
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Minimum redraw amounts may apply. Free redraw in-advance amounts at any time through Internet Banking and Mobile Banking. Fees apply for staff-assisted redraw. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount. |
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Please note that transfers made on Internet Banking and Mobile Banking can take up to 24 hours to process. For immediate transfers please call us on 13 25 85 or visit a branch. |
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FASTRefi® is provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority. |
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The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change. |
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Results are based on information you have provided and do not take your personal circumstances into account. This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. You should consider obtaining advice from a financial services licensee before making any financial decisions. |
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Calculator by Widget Works. |
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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. © 2026. |