Dreaming of your first home?

6.29 percent per annum
Interest Rate
6.64 percent per annum *
Comparison Rate
First Home Buyer Total Home Loan Package Variable^, Principal and Interest, LVR ≤ 95%
bcorp

More reasons to buy your first home with us.

money bags

100% mortgage offset account.

An account linked to your investment home loan. The balance in this account reduces the interest you pay on your mortgage.1

redraw

Free online redraw.

Make extra repayments to your home loan anytime2 and get access any extra repayments you have made via fee free online redraw.3

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Home Guarantee Scheme.

Eligible first home buyers can access the Home Guarantee Scheme (HGS).

Digital and service excellence awards.

As a customer-owned bank, delivering the best possible experience to our customers is one of the core foundations of Beyond Bank, and we have the awards to prove it.

  • Canstar's Customer Owned Bank of the Year, Digital Banking 2015 - 2023
  • Canstar's Customer Owned Bank of the Year, Most Satisfied Customers 2023
  • Forbes World's Best Banks for 2023

Benefits.

  • Borrow up to 95% of the value of the property4
  • We can also lodge your first home owner grant application
  • Four-month pre-approval so you can search for your home or property with confidence5
  • Ability to purchase an established property or build (construction)
  • Both variable and fixed rate options available
     

 

What is the Home Guarantee Scheme?

The Home Guarantee Scheme (HGS) is an Australian Government initiative to help you buy or build your home sooner. This consists of the First Home Guarantee, Family Home Guarantee and Regional First Home Buyer Guarantee. Please click the links below for more information. We're proud to support this initiative.
 

How to apply.

Start application.

If you’re looking to buy, invest or refinance, start your home loan application online. It takes 15 minutes and you’ll be asked to provide details of your income, assets and expenses.

Speak to a Lending Specialist.

Once we receive your application, a Lending Specialist will contact you to confirm eligibility, next steps and answer any questions you may have.

Assessment & evaluation.

To assess your loan, we’ll need to verify your details and obtain supporting documents, such as payslips and bank statements. Your Lending Specialist will support you through the process.

Approval.

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

Home Loan Repayment Calculator








Ready to buy your first home?

Get your pre-approval.

Before you find your dream home we can provide you with four 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.

services
Talk to a loan specialist.
If you would like to know more, have a chat with one of our experienced loan specialists today.
Talk to a specialist
Apply for pre-approval.
Complete an application for pre-approval online now.
Apply online

For and with you.

Each year, we measure our performance and evaluate our contribution to Australian communities.

Our contribution to our community:

  • We invest 9% of net profit into our community partnerships and programs
  • Our staff get 2 days to volunteer in the community
  • We give back over $519,000 through our Community Reward Program 
  • Supporting communities in times of natural disaster with donations over $120,000.

Beyond Bank is different. We’re not a big bank. We’re a Certified B Corp and we use our profits to strengthen communities. Find out how.

Interest rates are applicable to new loan applications received from 21 May 2024 and are subject to change without notice. Terms, conditions and eligibility criteria apply, including minimum lending amounts.

Borrowers who acquired or applied for these products before this date may have a different interest rate.

*Comparison rates are based on a loan of $150,000 with monthly repayments 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.

^This offer is available exclusively to first home buyers participating in the Home Guarantee Scheme only. Eligibility criteria apply to the Home Guarantee Scheme and First Home Guarantee, for more information visit www.nhfic.gov.au. The Total Home Loan Package has an Annual Package Fee of $395. This offer may be withdrawn at any time and is not available with any other offer. Applicants may need to complete a statutory declaration of application or provide evidence of first home buyer status at our request. 95% lend is inclusive of capitalised Lenders Mortgage Insurance (LMI). This offer may be withdrawn at any time and is not available with any other offer.

1 100% Mortgage Offset Account is only available on Variable Rate Home Loans.

2 Unlimited additional repayments available on Variable Rate Loans. Additional repayments over $25,000 per year to a Fixed Rate term will result in a break cost being payable.

3There is no minimum redraw amount. Free redraw of payments made in-advance can be done 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.

4 Borrow up to 95% of the value of the security property. Lenders Mortgage Insurance is required where the loan is greater than 80% of the value of the security property. This may vary based on the location of the property.

5 Conditional loan pre-approval is available for a period of 120 days.

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 www.beyondbank.com.au/disclosures, 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. © 2023.

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