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For and with you

Total Home Loan Package Variable.

6.04 % p.a. Interest Rate.
6.40 % p.a. Comparison Rate.*
Variable, P&I, O/O, LVR ≤ 80%, minimum loan $750,000.^

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
Learn more
No establishment fee
Save your cash for the good stuff. No loan establishment fee, saving you $445.²
Split your loan
Combine the stability of a fixed rate with the flexibility of a variable rate.
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  • Four-month pre-approval so can search for your home or property with confidence3
  • Split your loan. Combine the stability of a fixed rate with the flexibility of a variable rate
  • 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 rateā“
  • Redraw option so you can withdraw any extra repayments you have made5
  • Annual fee waived on the Low Rate Credit Card.6
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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. 

See how much you could save by switching to Beyond Bank.


Try out our calculator that allows you to compare any two loans, with different interest rates as well. See how much you could save today.

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.
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