Paint choice. Hard.
Home Loan. Easy.

For a great, hassle-free home loan.

Home Loans made easy with Beyond Bank.

Home loans don’t need to be hard. First Home Buyers, Upgraders, Refinancers or Investors, no matter where you’re at in your property journey, we’ll help you make achieving your property goals easy.

We actually care.

As a 100% customer-owned bank, we make banking better for you. Our profits are re-invested back into customer benefits through lower fees, better interest rates and time-saving innovation.


We speak your language.

Owner occupied, investment, parent equity, principal and interest, interest only, variable, fixed, LVR and LMI? Mumbo jumbo? We’ll take the time to get to know you and guide you through the process, every step of the way.

We're locals.

With more than 40 local branches around the country and our Australian based call centre, you can choose to chat with us online, in a branch, over the phone or our expert mobile bankers can come to you. 

Award-winning Digital Banking.

 Love easy online banking? So do we. For the fifth year in a row we are Canstar’s Customer-Owned Institution of the Year for Mobile & Online Banking!1

Total Home Loan Package 3-Year Fixed.^

4.09 percent per annum
Interest Rate
4.33 percent per annum *
Comparison Rate
3-year fixed rate for new owner-occupied loans less than 80% LVR.

Bank with one of the World’s Best.

Logo: World's Best Bank awarded to Beyond Bank by Forbes, 2021


Beyond Bank is proud to have been ranked as one of the top five banks in Australia by Forbes, as part of their 2021 World’s Best Banks.

Plus, the recent Roy Morgan Customer Satisfaction Report on Consumer Banking in Australia ranked Beyond Bank as the number one banking institution in the country with a customer satisfaction rating of 92.3%.   


Not ready to apply? Contact a lending specialist.

Who will take the time to get to know you and guide you through the process, every step of the way.

Wondering how much you can borrow?

Guess no more. With our quick and easy-to-use borrowing power calculator. It only takes a few minutes and you’ll be able to start your home loan journey with peace of mind.

Apply online in minutes.

Get one step closer to your dream home or investment property by starting your application online. 

You’ll still benefit from a dedicated Lending Specialist who will guide you through the process. To complete the application, have the following information handy:

  • Your personal details including driver’s licence 
  • Your employment and income information
  • Details of your assets and liabilities.


What happens next?

Our team will contact you to discuss your needs, answer any questions you may have and book you in for an appointment in branch, online or a mobile banker can come to you.  


Starting out.

Our team will contact you to discuss your needs, answer any questions you may have and book you in for an appointment in branch, online or a mobile banker can come to you.  


Your application.

You’ll then be in a position to submit your an application. As your application progresses, we’ll keep you informed.

Assessment & evaluation.

To assess your loan, we’ll verify your details and obtain supporting documents, such as payslips and bank statements.


The most exciting stage! If your loan is approved, it’s time to sign your loan documents and finalise the settlement.

Interest rates are current as at 04/03/2021. Interest rates are subject to change without notice.  

^Total Home Loan Package 3-Year Fixed is available only to new qualifying loans applied for from 07/04/2020 for owner-occupied purposes (Parent Equity, Bridging, Building/Construction or Land Rent Scheme loans not available). Interest rate is available to new loan applications and are only available on new lending or when existing borrowers increase their loan amount by a minimum of $50,000 and the LVR is less than or equal to 80% at point of loan origination. Borrowers who acquired this loan before this date may have different eligibility, interest rate or product attributes. The Total Home Loan Package has an annual fee of $395. We apply the discounted fixed rate on loan settlement date or the date the fixed rate period commences unless a rate lock applies. At the end of the fixed rate period, the interest rate will revert to the prevailing standard variable rate applicable at that time for the remainder of the loan term.

*The comparison rate is calculated based on a secured loan amount of $150,000 over a loan term of 25 years. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

Awarded Canstar Customer-Owned Bank of the Year for Mobile Banking and Internet Banking 2016, 2017, 2018, 2019, 2020 and Mozo Expert Choice 2019 for Excellent Banking App. 

 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, by calling us on 13 25 85 to request a copy or by visiting a branch. 

All loans are provided by Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2021. 

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