Home ownership – where do I start?
Right here! Below, you’ll find all the guides, articles, calculators, and FAQs you need to understand the process and master the lingo.
The reality of buying your first place.
Buying a home can be complicated. Anyone who says otherwise is either an economics professor and/or your parents (who bought back when a three-bed cost $100k).
The good news is that you don’t need to do it alone: our team of Lending Specialists can walk you through the home buying process, step-by-step and all free of charge.
Support for every stage.
Step one is figuring out what you don’t know. Get answers to common first home buyer questions.
Get your ducks in a row. Calculate your price range, learn what to look out for at an inspection, and more.
What to look for at a house inspection
Crunch the numbers to make a confident offer or chat through your thinking with a Lending Specialist.
Home Guarantee Scheme.
The Home Guarantee Scheme (HGS) is an Australian Government initiative to help you buy or build your home sooner. Eligible applicants can apply for a loan with as little as 2-5% deposit (depending on the scheme).
Smaller deposit?
Don’t think the dream is over if you have less than 20% saved. With Lenders’ Mortgage Insurance (LMI) or parent equity, we may be able to accept a smaller deposit.
Rates starting from
For 3 Year Fixed Total Home Loan Package Home Buyer Scheme ≤95% LVR^
5.64
6.53
Ready to make a move?
First Home Buyers FAQs.
Home buyers must meet certain eligibility criteria for the Home Guarantee Scheme, which differ slightly for each Guarantee. Check your eligibility.
Your Lending Specialist will provide their direct contact details as the first point of contact, and loan status can be viewed by existing customers within internet banking under ‘Apply’ and then ‘Loan Status’ however, you can always contact the branch or our Customer Relationship Centre staff to direct you accordingly.
Our Customer Relationship Centre operating hours are Monday to Friday 8.00am -8.00pm ACST and Saturday 9.00am-3.00pm ACST.
Useful links
Although many aspects of the application process are standard, in order to understand how much you can borrow we need to understand your individual circumstances.
You can:
- Contact our Customer Relationship Centre Monday to Friday 8.00am -8.00pm ACST and Saturdays 9.00am-3.00pm ACST
- Contact us via Live Chat for general information Monday to Friday 9.00am -6.00pm ACST and Saturdays 9.00am -3.00pm ACST
- Attend a branch
- Meet with an experienced Lending Specialist.
Useful links
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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This offer may be withdrawn at any time and is not available with any other offer. 90% lend is inclusive of capitalised Lenders Mortgage Insurance (LMI). |
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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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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. |