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For and with you

Total Home Loan Package Variable.^

6.14 % p.a. Interest Rate.
6.49 % p.a. Comparison Rate.*
Variable rate for new owner-occupied loans less than 60% LVR.

A home loan with options and benefits to suit you.

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
Mortgage Offset Accounts
No establishment fee
Save your cash for the good stuff. No loan establishment fee, saving you $445.²
Also available for Parent Equity, Bridging, Land Rent Scheme Loans (ACT only) or Building Loan. Conditions apply.
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  • Available 1,2,3,4,5 -year fixed rates or variable interest rates
  • Four-month pre-approval so you 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?


Interest rates.

Fixed (New Money Special).

Fixed Home LoansInterest Rate (%p.a.)Comparison Rate (%p.a.)*
Total Home Loan Package 1-Year Fixed - LVR ≤80%6.19% p.a.7.96% p.a.
Total Home Loan Package 2-Year Fixed - LVR ≤80%6.19% p.a.7.80% p.a.
Total Home Loan Package 3-Year Fixed - LVR ≤80%6.29% p.a.7.69% p.a.
Total Home Loan Package 4-Year Fixed - LVR ≤80%6.59% p.a.7.68% p.a.
Total Home Loan Package 5-Year Fixed - LVR ≤80%6.59% p.a.7.59% p.a.


Home LoansInterest Rate (%p.a.)Comparison Rate (%p.a.)*
Fixed 1 year Total Home Loan Package - LVR <90%6.39% p.a.7.98% p.a.
Fixed 2 year Total Home Loan Package - LVR <90%6.39% p.a.7.84% p.a.
Fixed 3 year Total Home Loan Package - LVR <90%6.49% p.a.7.75% p.a.
Fixed 4 year Total Home Loan Package - LVR <90%6.79% p.a.7.75% p.a.
Fixed 5 year Total Home Loan Package - LVR <90%6.79% p.a.7.68% p.a.


Home LoanInterest Rate (%p.a.)Comparison Rate (%p.a.)*
Total Home Loan Package Variable Rate Home Loan LVR <60%6.14% p.a.6.49% p.a.
Total Home Loan Package Variable Rate Home Loan LVR >60% - <80%6.29% p.a.6.64% p.a.
Total Home Loan Package Variable Rate Home Loan LVR >80% - ≤90%6.49% p.a.6.84% p.a.
Total Home Loan Package Variable Rate ≤90%7.80% p.a.8.13% p.a.

Fees and charges.

Fees that don’t apply.

Establishment fee


Settlement fee


Loan Variation fee


Rate Variation fee


Monthly service fee


Fees that apply

Annual Package Fee


Search Fee


Valuation Fee

At cost

Registration of Mortgage

At cost

Lenders Mortgage Insurance

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



What if I have a smaller deposit?

With the support of Lenders Mortgage Insurance (LMI), Beyond Bank may be able to accept a smaller deposit and provide a home loan to you that might not otherwise be available.

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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