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Home loans.

Competitive rates from an award-winning, customer-owned Australian bank.

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Not sure which home loan is right for you?

I want to:

Buy my first home

Buy my next home

Refinance my existing home loan

Buy an investment property

Know what type of home loan you need?

See all interest rates for owner occupied, investment, and construction.

I could dance with you forever

Basic variable

A simple, no-frills variable rate with unlimited extra repayments and no annual fees.

Explore basic variable
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Fixed rate

Lock in a competitive rate and get the peace-of-mind of repayment certainty.

Explore fixed rate
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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.

See all interest rates
Calculators and tools
Manage my loan

Choose your next step.

Learn more about buying a home
Find handy guides, articles, tools, and FAQs at our first home buyer hub.
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Know your borrowing power
Start by pre-qualifying. No credit check or obligation to choose us as your lender.
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Compare loans and rates
Get the details and explore your options.
Loan Comparison Calculator
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Apply for a loan or pre-approval in under 20 minutes.
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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.

Book appointment

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Popular guides.

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Buying your first home

Level up your home loan knowledge and get closer to your first place.

First home buyer hub
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Refinance to Beyond Bank

On the lookout for a better rate on your home loan?

Refinance hub
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Invest in property

Tools, support, and competitive rates for property investors.

Investor hub

Other options.

Australian Government 5% Deposit Scheme

Construction loans

Bridging loans

Home loan tips and tricks.

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Steps to buying a home

We’ve mapped out the home buying process, step by step.

Read now
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Get a free property report

Find out what you need do to next.

Request now

Why Beyond Bank?

Get to know us a little better. About us

We're customer-owned
Our profits go towards things that matter to you, like competitive rates, fairer fees and local customer service.
Community focus
We support more than 45 Australian communities through branches, community partnerships and employment opportunities.
Proudly B Corp Certified
We meet international standards of social and environmental performance, accountability, and transparency.
A long history of lending
We’ve been helping Australians own their own home for more than 65 years.

Help is here.

Book appointment
Chat with a home loan expert at a time that suits you.
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Message us
Our live chat is available Monday to Friday 9am - 5pm, Saturday 9am - 3pm (Adelaide time). Excluding national public holidays.
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Call us
Monday to Friday 8am - 8pm, Saturday 9am - 3pm (Adelaide time). Excluding national public holidays.
Call 13 25 85