Australian family playing in the back yard garden at sunset.
For and with you
Lending

Fixed Rate Home Loan.

6.74 % p.a. Interest Rate.
8.53 % p.a. Comparison Rate.*
1 year fixed rate owner occupied loan less than 90% LVR.

Key features and rates.

Prefer knowing exactly what your repayments will be? With a Beyond Bank Fixed Rate Home Loan, you can sit back and relax with the knowledge your repayments won’t change during your fixed-rate term. 

Make extra repayments
Make up to $25,000 in extra repayments each year without penalty.¹
Free online redraw
Withdraw any extra repayments you have made, or you could enjoy a repayment holiday.²
Ditch the fees
No monthly fees.

Big benefits.

  • 1, 2, 3, 4 or 5-year fixed rates terms
  • Four-month pre-approval so you can search for your home or property with confidence3
  • Guarantee your rate at application, with Rate Lock, so you know the rate you will get at settlement4
  • Borrow up to 90% of the value of the security property5
  • Loan terms up to 30 years. Maximise your loan term and minimise your regular repayments
  • Split your loan. Combine the stability of a fixed rate of interest with the flexibility of a variable rate of interest
  • Flexible principal and interest repayment options. Choose your payment frequency from weekly to monthly
  • Parent Equity option available.

Interest rates.

Home LoanInterest Rate (%p.a.)Comparison Rate (%p.a.)*
Fixed 1 year - LVR <90%6.74% p.a.8.53% p.a.
Fixed 2 year - LVR <90%6.74% p.a.8.33% p.a.
Fixed 3 year - LVR <90%6.84% p.a.8.19% p.a.
Fixed 4 year - LVR <90%7.14% p.a.8.15% p.a.
Fixed 5 year - LVR <90%7.14% p.a.8.03% p.a.

Loan reverts to our standard variable rate at the end of the period. View our full home loan interest rates.

Fees and charges.

Fees that apply.

Establishment fee

$445

Settlement fee

$200

Monthly service fee

Free

View our Fees and Charges Guide for the full details of other transaction and service fees that may apply. 

I could dance with you forever

Lenders Mortgage Insurance.

With the support of Lenders Mortgage Insurance (LMI), Beyond Bank may be able to accept a smaller deposit and provide a home loan to you that might not otherwise be available.⁵

How to apply.

  1. 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.

  2. 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.

  3. 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.

  4. Approval.

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

Ready to apply?

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

Open now

Not ready to apply?

Chat with one of our experienced Mobile Lenders at a time and place that suits you. 

Talk to a Lending Specialist

 

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.

Roy Morgan Customer Satisfaction Awards - Bank of the Year 2022

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

Still have questions about our home loans?

If you would like to know more about the home loan process, have a chat with one of our experienced Lending Specialists today.
Talk to a Lending Specialist
Check out the most frequently asked questions about home loans.
Visit FAQs
Our friendly Customer Relationship Centre staff are here to assist you. Monday - Friday 8.00am - 8.00pm, Saturday 9.00am - 3.00pm ACST.
Contact us

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