Home Loan Interest Rates



Home loan interest rates.

Looking for a great home loan with a low interest rate? Our home loan interest rates are competitive with the big four banks.

With low rates, flexible options and fixed and variable interest rates, it’s easy to find the right loan. Compare our home loan rates and use our handy calculators to find the home loan that’s right for you.

Available for a limited time only, the Special Low Rate Variable Rate Home is more than just a low rate, you will also benefit from no upfront or ongoing fees and greater flexibility. You can choose from variable or fixed rates or split your loan between both rate types at no extra cost.

%*
p.a.
Interest rate

%
p.a.
Comparison rate

For new variable rate owner occupied home loans of $150,000 or more with minimum 20% deposit.

Home Loan Interest Rates


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Special Offer Home Loans

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Special Low Variable Rate Home Loan* 3.79% 3.79%
Owner-Occupied Special <90%** 4.35% 4.36%

Total Home Loan Package

Variable Rate Home Loans up to 90% LVR

The Total Home Loan Package2 saves you money so you can own your home sooner.

Tier Interest Rate (%p.a.) Comparison Rate (%p.a.)
$50,000-$299,999 4.76% 5.15%
$300,000-$499,999 4.56% 4.95%
$500,000+ 4.46% 4.86%

Variable New Money Offer

Tier Interest Rate (%p.a.) Comparison Rate (%p.a.)
Total Home Loan Package 4.05% 4.46%

3 Year Fixed Rate Home Loan Special up to 80% LVR

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
3 Year Fixed Special*** 3.83% 4.89%

Fixed Rate Home Loans up to 90% LVR

The Total Home Loan Package2 you can customise.

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Fixed 1 year 4.34% 5.11%
Fixed 2 year 4.44% 5.09%
Fixed 3 year 4.54% 5.09%
Fixed 4 year 4.79% 5.15%
Fixed 5 year 4.79% 5.16%

Total Home Loan Package All in One

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
$50,000-$299,999 4.91% 999%
$300,000-$499,999 4.65% 999%
$500,000+ 4.61% 999%

Pinnacle Plus Home Loans

Pinnacle Variable Rate Home Loans up to 90% LVR

With our Pinnacle Plus package1 you'll receive a range of benefits.

Tier Interest Rate (%p.a.) Comparison Rate (%p.a.)
$200,000-$299,999 4.96% 4.97%
$300,000+ 4.76% 4.77%

Pinnacle Fixed Rate Home Loans up to 90% LVR

We have a range of Pinnacle Plus package1 options to suit you.

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Fixed 1 year 4.49% 4.93%
Fixed 2 year 4.59% 4.91%
Fixed 3 year 4.69% 4.90%
Fixed 4 year 4.94% 4.97%
Fixed 5 year 4.94% 4.97%

Pinnacle Plus All in One Variable

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
$200,000-$299,999 4.91% 999%
$300,000+ 5.11% 999%

Variable Rate Home Loans up to 90% LVR

A premium home loan with flexible options.

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Basic Variable Home Loan 4.56% 4.73%
Standard Variable Home Loan 5.26% 5.30%

Standard All in One Variable

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Standard All-In-One Variable Home Loan 5.41% 999%

Fixed Rate Home Loans up to 90% LVR

Lock it in.

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Fixed 1 year 4.64% 5.24%
Fixed 2 year 4.74% 5.21%
Fixed 3 year 4.84% 5.19%
Fixed 4 year 5.09% 5.24%
Fixed 5 year 5.09% 5.23%

Current as at 13/06/2018

*Our Special Low Rate Variable Home Loan is only available to new loans or increases to existing loans when the minimum new borrowing amount is $150,000 and the LVR does not exceed 80% on selected eligible owner-occupied home loan products. No package or other discounts will apply to the advertised rate. Split loans, land rent loans, interest only loans, loans requiring multiple security and building loans are not eligible. Offer available for a limited time only and may be withdrawn or altered at any time, available for qualifying loans applied for from 13/06/2018.

**Owner-Occupied Special <90% available only to new loans where minimum new loan amount is $150,000 or when existing borrowers increase their loan by a minimum of $150,000 and the LVR at a point of loan origination is <90%. Available for new qualifying loans applied for from 13/06/18. No further packages discounts will apply to this rate. This offer will continue to apply until you request us to vary this loan.

***Available only to new qualifying loans applied for from 13/06/2018 that are secured against a single residential property for owner-occupied purposes (Parent Equity, Building/Construction, Bridging or Land Rent Scheme loans not available). Interest rates are available to new loan applications and are only available on new lending or when existing borrowers increase their loan amount by a minimum of $50,000 and the LVR is less than or equal to 80% at point of loan origination. Annual Total Home Loan Package fee applies of $395. Borrowers who acquired this loan before this date may have different eligibility, interest rate or product attributes.

^New money offer available to new loan applications only or when an existing borrower is increasing their loan by a minimum $50,000 and the LVR is less than 90% at point of loan origination.  The offer will continue to apply until you ask us to vary your loan.

1. pinnacle +plus package is available to members with combined balanced of $200,000 or more on eligible loans and deposits. Other eligibility criteria, terms and conditions apply.

2. Package fee applies.

Interest rates are subject to change without notice. Comparison rates are based on a loan of $150,000 with monthly repayments over a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

The interest rates displayed are for a maximum Loan to Value Ratio (LVR) of 90%.  Loans where the LVR is above 90% will receive a higher interest rate.  Borrowing additional funds to cover fees and other associated loan costs (including capitalised Lenders Mortgage Insurance) may increase your LVR above 90%, if this happens you will receive the higher rate.  You can find out the different interest rates are and what rate you may be eligible for by contacting us.

Terms, conditions, fees and charges, and lending criteria apply to all loans. Full details are available at time of application or by contacting us. All loans are provided by Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237856.

To view all of our interest rates view our interest rate schedule for Home Loans.

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