Kids and Their Mum Engaging in Creative Play in the Outdoor Oasis
For and with you
Lending

Standard Investment Home Loans.

8.99 % p.a. Interest Rate.
9.04 % p.a. Comparison Rate.*
Standard Variable Investment 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
  • 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.
Mid adult cheerful gay couple talking and having fun while cooking in a kitchen
Mid adult woman in her 30s sitting at table and looking at computer, remote working, freelancer, small business

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 Standard Investment Loan. Principal & Interest - LVR: ≤90%6.94% p.a.8.81% p.a.
Fixed 2 Year Standard Investment Loan. Principal & Interest - LVR: <90%6.94% p.a.8.60% p.a.
Fixed 3 Year Standard Investment Loan. Principal & Interest - LVR: ≤90%7.04% p.a.8.44% p.a.
Fixed 4 Year Standard Investment Loan. Principal & Interest - LVR: ≤90%7.39% p.a.8.42% p.a.
Fixed 5 Year Standard Investment Loan. Principal & Interest - LVR: ≤90%7.39% p.a.8.30% p.a.
Investment LoanInterest Rate (% p.a.)Comparison Rate (% p.a.)*
Fixed 1 Year Standard Investment Loan. Interest Only - LVR: ≤90%7.14% p.a.9.10% p.a.
Fixed 2 Year Standard Investment Loan. Interest Only - LVR: ≤90%7.14% p.a.8.87% p.a.
Fixed 3 Year Standard Investment Loan. Interest Only - LVR: ≤90%7.24% p.a.8.71% p.a.
Fixed 4 Year Standard Investment Loan. Interest Only - LVR: ≤90%7.59% p.a.8.67% p.a.
Fixed 5 Year Standard Investment Loan. Interest Only - LVR: ≤90%7.59% p.a.8.55% p.a.

Variable.

Investment LoanInterest Rate (% p.a.)Comparison Rate (% p.a.)*
Standard Variable Investment Loan. Principal & Interest - LVR: ≤90%8.99% p.a.9.04% p.a.
Investment LoanInterest Rate (% p.a.)Comparison Rate (% p.a.)*
Standard Variable Home Loan. Interest only - LVR: <90%9.29% p.a.9.34% p.a.

Fees and charges.

Fees that apply

Establishment fee (waived for Life Member)

$445

Settlement fee

$200

Loan Variation fee

$345

Rate Variation fee

$150

Property 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.
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

Other products you might like.