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For and with you
Lending

First Home Buyers Package.

6.29 % p.a. Interest Rate.
6.64 % p.a. Comparison Rate.*
First Home Buyer Total Home Loan Package Variable^, Principal and Interest, LVR ≤ 95%.

Specially designed for first home buyers.

100% Mortgage Offset Account
An account linked to your home loan. The balance in this account reduces the interest you pay on your mortgage.¹
Learn more
Home Guarantee Scheme
The First Home Buyer Package is available exclusively to borrowers participating in the Home Guarantee Scheme.
Learn more
Redraw
Redraw payments made in advance at any time through Internet, Mobile and Telephone Banking.²
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Who can apply?

This loan is available for customers aged 18 years and over.  Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan. 

Interest rates.

 
Home Buyer Scheme Fixed Rate Home Loan^Interest Rate (%p.a.)Comparison Rate (%p.a.)*
Fixed 1 year Home Buyer Scheme Total Home Loan Package - LVR <95%6.19% p.a.7.96% p.a.
Fixed 2 year Home Buyer Scheme Total Home Loan Package - LVR <95%5.94% p.a.7.75% p.a.
Fixed 3 year Home Buyer Scheme Total Home Loan Package - LVR <95%5.94% p.a.7.59% p.a.
 
Home Buyer Scheme Fixed Rate Building LoanInterest Rate (%p.a.)Comparison Rate (%p.a.)*
Fixed 1 year Home Buyer Scheme Total Home Loan Package - LVR <95% - Building Loan6.39% p.a.7.98% p.a.
Fixed 2 year Home Buyer Scheme Total Home Loan Package - LVR <95% - Building Loan6.39% p.a.7.84% p.a.
Fixed 3 year Home Buyer Scheme Total Home Loan Package - LVR <95% - Building Loan6.49% p.a.7.75% p.a.
 
Home Buyer Scheme Fixed Rate Home Loan^Interest Rate (%p.a.)Comparison Rate (%p.a.)*
Fixed 1 year Home Buyer Scheme Total Home Loan Package - LVR <95%6.19% p.a.7.96% p.a.
Fixed 2 year Home Buyer Scheme Total Home Loan Package - LVR <95%5.94% p.a.7.75% p.a.
Fixed 3 year Home Buyer Scheme Total Home Loan Package - LVR <95%5.94% p.a.7.59% p.a.

Fees and charges.

Fees that don't apply

Mortgage Loan Establishment Fee

$0

Mortgage Loan Settlement Fee

$0

Loan Variation Documentation fee

$0

Rate Variation Fee

$0

Fees that apply

Annual Total Home Loan Package Fee

$395

Property Valuation fee

At cost

View our Fees and Charges Guide 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.

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.
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