First rodeo? Start with the right gear.
Our First Home Buyer Package pairs a competitive variable rate with an offset account – two popular home loan features. You’ll also be matched with a Lending Specialist to guide you through the (sometimes confusing!) world of home buying.
What makes it special.
Rates starting from
For 3 Year Fixed Total Home Loan Package Home Buyer Scheme ≤95 LVR
5.64
6.53
Available for new builds, too.
We can arrange for your loan to be paid in instalments rather than all at once, so you can meet your builder’s payment plan while only paying interest on what you’ve used.
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.
First home buyer hub
Handy guides, articles, tools, and FAQs on the A-Z of buying your first home.
Go to the hub
Home Guarantee Scheme
The Home Guarantee Scheme (HGS) is an Australian Government initiative to help you buy or build your home sooner.
Am I eligible?
Request a free property report
Got your eye on a place? Get useful insights on a specific property or suburb, delivered straight to your inbox.
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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.
How to apply for this loan.
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Complete application
It's quick and easy. You'll need details on your income, assets, and expenses handy. -
We'll be in touch
After assessing your application, we'll give you a call to chat through your options or get more details. -
Get an answer
If approved, you can easily review and sign your documents online.
Interest rates.
Understand how to use the comparison rate and calculate your loan to value ratio (LVR). Lenders' Mortgage Insurance (LMI) may also apply.
First Home Buyer Package (Variable)
Home loans
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤95% LVR | 6.04% p.a. | 6.40% p.a. |
Building loans
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| 1 Year | ||
| ≤95% LVR | 6.09% p.a. | 6.77% p.a. |
| 2 Year | ||
| ≤95% LVR | 5.94% p.a. | 6.72% p.a. |
| 3 Year | ||
| ≤95% LVR | 5.94% p.a. | 6.68% p.a. |
First Home Buyer Package (Fixed)
Home loans
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| 1 Year | ||
| ≤95% LVR | 5.79% p.a. | 6.68% p.a. |
| 2 Year | ||
| ≤95% LVR | 5.64% p.a. | 6.59% p.a. |
| 3 Year | ||
| ≤95% LVR | 5.64% p.a. | 6.53% p.a. |
Building loans
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤95% LVR | 6.19% p.a. | 6.61% p.a. |
Fees and Charges.
| Fees and Charges that apply | Amount |
| Annual Total Home Loan Package Fee | $395 |
| Property Valuation Fee | At cost |
| Building Loan Establishment Fee | $890 |
View our Fees and Charges Booklet for the full details. Other up-front fees including government charges may apply based on the loan and application type and can be advised on application.
Ready to make a move?
First home buyer 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
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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100% Offset is only available on Variable Rate Home Loans. |
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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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Interest rates available exclusively to borrowers eligible for and participating in the Home Guarantee Scheme. For more information visit www.housingaustralia.gov.au. This offer may be withdrawn at any time and is not available with any other offer. |
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The Total Home Loan Package has an Annual Package Fee of $395. |
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Lenders' Mortgage Insurance is required where the loan is greater than 80% of the value of the security property and not participating in the Home Guarantee Scheme (HGS). This may vary based on the location of the property. |
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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. |