Total Home Loan Package 
3-Year Fixed^

2.29 percent per annum
Interest Rate
3.71 percent per annum *
Comparison Rate
3-year fixed rate for new owner-occupied loans less than 80% LVR.
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What is refinancing?

Refinancing involves taking out a new home loan that pays out your existing one. The reason for doing this may be because your situation has changed or you are simply looking for a better deal. You may also benefit from reduced repayments or be able to borrow more money to fund renovations, investments or other expenses.

It can pay to have your finger on the pulse refinancing could save you if rates drop or there’s a great deal on offer. When you refinance you’ll get a new term and a new interest rate. Because you can refinance up to 80% of your home’s value (without paying lenders mortgage insurance), you could borrow more money on your new loan and use it for other expenses or investments.

Key benefits.


Save Cash.

Apply for a better interest rate and you could reduce repayments.

Upgrade your home.

Free up some extra cash to finance a renovation~.

Consolidate debts.

Debts like car loans and credit cards can be consolidated as part of the refinancing process~.

Invest for the future.

Purchase an investment property by unlocking equity in your current property~.

Grab a cuppa and learn the ins and outs of refinancing.

  • Reasons to look at home loan refinancing
  • Tips to get the most out of your refinancing efforts
  • Costs involved in the refinancing process 
  • Things to consider before you refinance
  • And much more.

Get my free refinancing guide.

Discover how much you could save by refinancing.

Have a look at this example.

Consider how much you could save by refinancing. For example, let’s say you currently have a $400,000 home loan with repayments of $933.691 per fortnight.

By switching to Beyond Bank’s 3-year fixed interest rate Total Home Loan Package^ at 2.29% p.a. (3.71% comparison rate*), your repayments could drop to $808.521 per fortnight. That’s a saving of $125 each fortnight during the fixed rate term!


Calculate and compare.

Use our Loan Comparison calculator for a personalised summary of potential savings. Simply enter the details of the Beyond Bank loan and your existing loan to see how much you could save over the life of your loan.

Ready to save?

It’s simple really. You could make this home loan yours in as little as 15 minutes with our online application form.

Got Questions?

Have a chat with one of our experienced mobile lenders today. They can meet at your home, work or one of our branches. If you’d prefer they can chat with you over the phone.

We’re good, but don’t just take our word for it.

“The minute we stepped into the branch we were welcomed like old friends. If you are looking to move to a bank that can offer personalised service and financial products that suit your needs, then we urge you to make the change today." Emma Burch and Brett Cooper. (February, 2018)

Refinancers most frequently asked questions.

goal-home Home Loans

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 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 authorize Beyond Bank to get in touch with your current financial institution to refinance your loan.

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 Customer Relationship Centre Monday to Friday 8.00am -8.00pm ACST and Saturdays 9.00am-3.00pm ACST
  • Contact us via Live Chat for general information Monday to Friday 9.00am -6.00pm ACST and Saturdays 9.00am -3.00pm ACST
  • Attend a branch
  • Or have one of our experienced Mobile Relationship Managers come to you.

It works by connecting the account to the eligible loan, and you are only charged interest on the difference in amount. For example, if you have a home loan for $200,000 and have $10,000 in your linked offset account, interest is only calculated on the difference, in this case $190,000.

*A minimum $500 balance must be retained in the Offset Account to receive the benefit.

Interest rates are current as at 15/09/2020. Interest rates are subject to change without notice. 


1 Differences in repayments and savings over the life of the loan are calculated by comparing our 2.29% p.a. rate against an interest rate of 3.60% p.a. which is the average standard 3-year fixed home loan interest rate according to rate comparison site Finder (current as at 28/04/2020), on a loan amount of $400,000 repaid over 25 years.

^Total Home Loan Package 3-Year Fixed is available only to new qualifying loans applied for from 07/04/2020 that are secured against a single residential property 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.

~This information has been provided without taking into account your objectives, financial situation or needs. Before acquiring this product, you should read the Financial Services Guide, Product Guide and Fees and Charges Guide to decide if this product is right for you. For full terms, conditions, fees, and charges, please review our Financial Services Guide, Product Guide and Fees and Charges Guide. These guides are available here or call us on 13 25 85 or visit a branch. The guides will be provided at the time of acquiring the product. Normal Lending criteria apply. 

All loans are provided by All loans are provided by Beyond Bank Australia Ltd. ABN 15 087 651 143 AFSL/Australian Credit Licence 237 856.

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