Bring your Australian dream closer.
Buying, building, refinancing, investing – there are many reasons why you might need a home loan. Let’s find one that’s right for you.
What kind of loan are you looking for?
See all interest rates for owner occupied, investment, and construction.
Basic variable
A simple, no-frills variable rate with unlimited extra repayments and no annual fees.
Explore basic variable
Variable with offset
Reduce the amount of interest you pay on your home loan with a 100% offset account.
Explore variable with offset
Fixed
Lock in a competitive rate and get the peace-of-mind of repayment certainty.
Explore fixed rateChoose your next step.
Real people, real advice.
Get personalised support from an experienced Lending Specialist at a time and place that suits you, including evenings and weekends. We can help you:
- conduct a banking review to understand your financial position
- navigate the home loan pre-approval and application process
- compare different loan structures, features, and terms
- refinance to a new loan or restructure your existing one.
Popular guides.
Buying your first home
Level up your home loan knowledge and get closer to your first place.
First home buyer hub
Home loan tips and tricks.
Learn more about:
Why Beyond Bank?
Get to know us a little better. About us
We're an award-winning lender.
Recognition we've received for doing right by our customers.
Forbes World's Best Banks for 2024
Canstar's Customer Owner Bank of the Year, Digital Banking 2015 - 2024
Canstar's Customer Owner Bank of the Year, Most Satisfied Customers 2023
Help is here.
Please read this important information.
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Interest rates apply to new loan applications received from 15 April 2025 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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Lenders' Mortgage Insurance may be payable, and if applicable, added to the cost of the loan. |
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Terms, conditions and eligibility criteria apply, including minimum lending amounts. Full details are available on application. |
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LVR means Loan to Value Ratio. We calculate your LVR and determine your eligibility for this rate when we assess your loan. A higher LVR may result in a different interest rate. |
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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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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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Unlimited additional repayments available on Variable Rate Loans. Repay an additional $25,000 per year on any of the Fixed Rate term without fee or penalty. Additional repayments over $25,000 per year to a Fixed Rate term will result in a break cost being payable. |
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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. © 2025. |