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Lending

Investment Total Home Loan Package.

6.24 % p.a. Interest Rate.
6.59 % p.a. Comparison Rate.*
Total Home Loan Package Variable Rate Investment Loan LVR <60%.

An investment home loan with options and benefits to suit you.

100% Mortgage Offset Account
An account linked to your investment home loan. The balance in this account reduces the interest you pay on your mortgage.¹
No establishment fee.
Save your cash for the good stuff. No loan establishment fee, saving you $445.²
Flexibility
Also available for Parent Equity, Bridging or Building Loans. Conditions apply.
  • Available 1,2,3,4,5 -year fixed rates or variable interest rates
  • Four-month pre-approval so can search for your home or property with confidence3
  • Borrow up to 90% of the value of the security property4
  • Loan term up to 30 years
  • Split your loan. Combine the stability of a fixed rate with the flexibility of a variable rate
  • Choose between principal and interest or interest only repayments
  • Make unlimited additional repayments to your loan when on a variable interest rate, or make up to $25,000 p.a. when on a fixed rate5
  • Redraw option so can withdraw any extra repayments you have made6
  • Annual fee waived on the Low Rate Visa Credit card.7
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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.

Fixed.

Investment LoanInterest Rate (% p.a.)Comparison Rate (% p.a.)*
Fixed 1 Year Total Home Loan Package Principal & Interest - LVR: ≤90%6.59% p.a.8.18% p.a.
Fixed 2 Year Total Home Loan Package Principal & Interest - LVR: ≤90%6.59% p.a.8.04% p.a.
Fixed 3 Year Total Home Loan Package Principal & Interest - LVR: ≤90%6.69% p.a.7.94% p.a.
Fixed 4 Year Total Home Loan Package Principal & Interest - LVR: ≤90%7.04% p.a.7.97% p.a.
Fixed 5 Year Total Home Loan Package Principal & Interest - LVR: ≤90%7.04% p.a.7.90% p.a.
Investment LoanInterest Rate (% p.a.)Comparison Rate (% p.a.)*
Fixed 1 Year Total Home Loan Package Interest Only - LVR: ≤90%6.49% p.a.8.38% p.a.
Fixed 2 Year Total Home Loan Package Interest Only - LVR: ≤90%6.59% p.a.8.23% p.a.
Fixed 3 Year Total Home Loan Package Interest Only - LVR: ≤90%6.59% p.a.8.08% p.a.
Fixed 4 Year Total Home Loan Package Interest Only - LVR: ≤90%6.69% p.a.7.99% p.a.
Fixed 5 Year Total Home Loan Package Interest Only - LVR: ≤90%6.69% p.a.7.87% p.a.
Investment LoanInterest Rate (% p.a.)Comparison Rate (% p.a.)*
Special Offer. Total Home Loan Package 1-Year Fixed Principal & Interest (New Money Offer) - LVR: <80%6.29% p.a.8.14% p.a.
Special Offer. Total Home Loan Package 2-Year Fixed Principal & Interest (New Money Offer) - LVR: <80%6.39% p.a.8.00% p.a.
Special Offer. Total Home Loan Package 3-Year Fixed Principal & Interest (New Money Offer) - LVR: <80%6.39% p.a.7.86% p.a.
Special Offer. Total Home Loan Package 4-Year Fixed Principal & Interest (New Money Offer) - LVR: <80%6.49% p.a.7.76% p.a.
Special Offer. Total Home Loan Package 5-Year Fixed Principal & Interest (New Money Offer) - LVR: <80%6.49% p.a.7.65% p.a.

Variable.

Investment LoanInterest Rate (% p.a.)Comparison Rate (% p.a.)*
Total Home Loan Package Variable Rate Investment Loan LVR <60%6.24% p.a.6.59% p.a.
Total Home Loan Package Variable Rate Investment Loan LVR >60% - <80%6.34% p.a.6.69% p.a.
Total Home Loan Package Variable Rate Investment Loan LVR >80% - <90%6.74% p.a.7.09% p.a.
Investment LoanInterest Rate (% p.a.)Comparison Rate (% p.a.)*
Total Home Loan Package Investment Loan Interest Only LVR ≤80%6.54% p.a.6.89% p.a.
Total Home Loan Package Investment Loan Interest Only LVR >80% - <90%6.74% p.a.7.09% p.a.
Investment LoanInterest Rate (% p.a.)Comparison Rate (% p.a.)*
Total Home Loan Package Investment Loan Principal & Interest - LVR: <90%8.00% p.a.8.33% p.a.
Total Home Loan Package Investment Loan Interest Only - LVR <90%8.25% p.a.8.58% p.a.

Fees and charges.

Fees that don't apply

Establishment fee

Free

Settlement fee

Free

Loan Variation fee

Free

Rate Variation fee

Free

Fees that apply

Annual Package Fee

$395

Valuation Fee

At cost

Search Fee

$35

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.

Apply 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 2020 & 2022 

Canstar's Customer Owned Bank of the Year, Digital Banking 2015 – 2024

Canstar's Customer Owned Bank of the Year, Most Satisfied Customers 2023 

Forbes World's Best Banks for 2024 

               

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.
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