Home loans that are anything but standard.
Choice of interest rate
Mortgage Offset Account
Easy redraw
Benefits.
- 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 with the flexibility of a variable rate
- Available for Investment, Parent Equity, Bridging or Construction loan. Conditions apply.
- Flexible principal and interest or interest only repayment options. Make additional repayments without penalty and choose your payment frequency from weekly to monthly
- Make additional repayments. Unlimited additional repayments available on Variable Rate Loans. Additional repayments over $25,000 per year to a Fixed Rate term will result in a break cost being payable.
- This loan is available as part of the Total Home Loan Package
- Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.
Who can apply?
This loan is available for members 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.
Variable Standard Investment Loan
Home loans, principal and interest
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤90% LVR | 8.99% p.a. | 9.04% p.a. |
Home loans, interest only
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤90% LVR | 9.29% p.a. | 9.34% p.a. |
Fixed Standard Investment Loan
Home loans, principal and interest
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| 1 Year | ||
| ≤90% LVR | 6.84% p.a. | 8.80% p.a. |
| 2 Year | ||
| ≤90% LVR | 6.94% p.a. | 8.60% p.a. |
| 3 Year | ||
| ≤90% LVR | 7.14% p.a. | 8.47% p.a. |
| 4 Year | ||
| ≤90% LVR | 7.34% p.a. | 8.40% p.a. |
| 5 Year | ||
| ≤90% LVR | 7.34% p.a. | 8.27% p.a. |
Home loans, interest only
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| 3 Year | ||
| ≤90% LVR | 7.34% p.a. | 8.74% p.a. |
| 5 Year | ||
| ≤90% LVR | 7.54% p.a. | 8.52% p.a. |
Fees and charges.
| Fees and Charges that apply | Amount |
| Establishment Fee | $445.00 |
| Settlement Fee | $200.00 |
| Valuation Fee | At cost |
| Lenders' Mortgage Insurance | At cost |
| Search Fee | $35.00 |
| Discharge Fee | $350.00 |
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.
How to apply.
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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.
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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.
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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.
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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.
Not ready to apply?
Chat with one of our experienced Mobile Lenders at a time and place that suits you.
Still have questions about our home loans?
Other products you may be interested in.
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Interest rates apply to new loan applications received from 12 August 2026 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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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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100% Offset is only available on Variable Rate Home Loans. |
| 2 |
Minimum redraw amount is $500. Free redraw in-advance amounts at any time through Internet Banking and Mobile Banking. Fees apply for staff-assisted redraw. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount. |
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Please note that transfers made on Internet Banking and Mobile Banking can take up to 24 hours to process. For immediate transfers please call us on 13 25 85 or visit a branch. |
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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. © 2026. |