Dreaming of your first home?

3.14 percent per annum
Interest Rate
3.92 percent per annum *
Comparison Rate
First Home Buyers Total Home Loan Package 3 year fixed rate for new First Home Buyer owner-occupied home loans over $50,000 max 95% LVR.^

More reasons to buy your first home with us.

$1,000 First home buyers bonus.

Our first home buyer bonus is paid upon settlement.1


Free online redraw.

Access any extra repayments you have made.2

money bags

Make additional repayments.

Make extra repayments to your home loans anytime.3

Our First Home Buyer Total Home Loan Package has everything you need.

Buying your first home can be a daunting process both emotionally and financially. We know that buying the house is just part of the journey. Moving, furnishing it, and turning it from a house to a home can take time and money.

So, we're giving First Home Buyers who take advantage of our Total Home Loan package a $1,000 bonus upon settlement. 1

Our Total Home Loan Package offers:

  • Ability to purchase an established property or build (construction)

  • Both variable and fixed rate options

Additional fees:

$395 annual package fee.

Ready to buy your first home?

Get your pre-approval.

Before you find your dream home we can provide you with three months pre-approval on your home loan, so you know exactly how much you can spend. You'll be in a stronger position to make an offer or place a bid at an auction should the situation arise. If you don’t find your dream home within this period, we can easily renew your pre-approval.

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)

Award Winning Internet and Mobile Banking.

Enjoy outstanding online and mobile banking. Easier, simpler and more convenient.

Interest rates are current as at 07/04/2020. Interest rates are subject to change without notice. 

 Interest rates are subject to change without notice. This package is available exclusively to first home buyers only. This offer may be withdrawn at any time and is not available with any other offer.

*Comparison rates are based on a loan of $150,000 with monthly repayments over a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different terms, fees or other loan amounts might result in a different comparison rate. Costs such as redraw fees or early repayment fees, and other cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

^95% lend is inclusive of capitalised Lenders Mortgage Insurance (LMI).

1. $1,000 bonus to eligible applicants for funded loans during the term of the promotion for existing and new to bank customers. The offer is limited to one new borrower (or where the loan is in joint names, per joint borrowers). Payment will be transferred To a Beyond Bank account on settlement. The borrower(s) must open a Beyond bank account if they do not have one. This offer may be withdrawn at any time and is not available with any other offer. This offer does not apply to loans sought through the First Home Loan Deposit Scheme. Offer terms and conditions are located here

2. Minimum redraw amount is $500. Redraw in-advance amounts at any time through Internet Banking. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount.

3. Up to $25,000 per year on each fixed rate loan held within the package without fee or penalty. Additional repayments over $25,000 per year to a fixed rate term will result in a break cost being payable.

First Home Buyer Home Loan Package is available for a limited time only. This offer is available within the Total Home Loan package and has a $395 annual fee. Applicants may need to complete a statutory declaration of application or provide evidence of first home buyer status at our request.

Lending criteria apply to all loans, for full terms, conditions, fees and charges, please review our Financial Services Guide, Product Guide and Fees and Charges Guide. These guides are available at www.beyondbank.com.au/disclosures and will be provided at the time of acquiring the product or by contacting 13 25 85.

This information has been provided without taking into account your objectives, financial situation or needs. Before acting on this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs. All loans are provided by Beyond Bank Australia Limited, 100 Waymouth Street, Adelaide, SA 5000 ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2019.

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