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For and with you

Standard Home Loans.

8.70 % p.a. Interest Rate.
8.75 % p.a. Comparison Rate.*

Standard Variable owner-occupied home loan up to 90% LVR.

Home loans that are anything but standard.

Choice of interest rate.
Choose either a variable or fixed interest rate.
Mortgage Offset Account.
100% Mortgage Offset Account.¹
Learn more
Easy redraw.
Redraw option so you can withdraw any extra repayments you’ve made or enjoy a repayment holiday.²

Interest rates.


Home LoanInterest Rate (%p.a.)Comparison Rate (%p.a.)*
Fixed 1 year - LVR <90%6.74% p.a.8.53% p.a.
Fixed 2 year - LVR <90%6.74% p.a.8.33% p.a.
Fixed 3 year - LVR <90%6.84% p.a.8.19% p.a.
Fixed 4 year - LVR <90%7.14% p.a.8.15% p.a.
Fixed 5 year - LVR <90%7.14% p.a.8.03% p.a.

Loan reverts to our standard variable rate at the end of the period. View our full home loan interest rates.


Home LoanInterest Rate (%p.a.)Comparison Rate (%p.a.)*
Standard Variable Rate Home Loan8.70% p.a.8.75% p.a.

Fees and charges.

Fees that apply

Establishment fee (waived for Life Member)


Settlement fee


Loan Variation fee


Rate Variation fee


Property Valuation fee

At cost

Other Government fees and charges may also apply.

At cost

Search Fee


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.
Contact us

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