Home Loan interest rates.

Special Offer Home Loans.

Variable Home Loans Interest Rate (%p.a.) Comparison Rate (%p.a.)
Special Low Variable Rate Home Loan* 3.08% 3.08%
Pinnacle Variable <90%** 3.54% 3.55%
Total Home Loan Package Variable <80% (new money only) 2.90% 3.32%

Total Home Loan Package Fixed (New Money Special)

Fixed Home Loans Interest Rate (%p.a.) Comparison Rate (%p.a.)
Total Home Loan Package 2-Year Fixed up to 80% LVR (New Money Special) 2.29% 3.81%
Fixed Home Loans Interest Rate (%p.a.) Comparison Rate (%p.a.)
Total Home Loan Package 3-Year Fixed up to 80% LVR (New Money Special)*** 2.29% 3.71%

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It’s simple really. You can make this great home loan yours in as little as 15 minutes with our online application form. 

Have questions?

Our experienced home loan specialists can meet you at your home, work or one of our branches; have a chat over the phone or answer an email.


Variable Rate Home Loans up to 90% LVR.

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Basic Variable Home Loan 3.75% 3.93%
Standard Variable Home Loan 4.45% 4.49%

Standard All in One Variable

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Standard All-In-One Variable Home Loan 4.60% -

Fixed Rate Home Loans up to 90% LVR.

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Fixed 1 year 3.34% 4.39%
Fixed 2 year 3.34% 4.29%
Fixed 3 year 3.34% 4.20%
Fixed 4 year 3.44% 4.15%
Fixed 5 year 3.44% 4.08%

Total Home Loan Package^^.

Variable Rate Home Loans up to 90% LVR

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Total Home Loan Package Variable <90% LVR 3.65% 4.05%
Total Home Loan Package All-In-One 3.8% -

Variable New Money Offer

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Total Home Loan Package 3.24% 3.65%

Total Home Loan Package Variable <80% (new money only)

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Total Home Loan Package Variable <80% (new money only) 2.90% 3.32%

Fixed Rate Home Loans up to 90% LVR

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Fixed 1 year 2.89% 3.98%
Fixed 2 year 2.89% 3.91%
Fixed 3 year 2.89% 3.85%
Fixed 4 year 2.99% 3.83%
Fixed 5 year 2.99% 3.79%

Pinnacle Plus Home Loans.

Pinnacle Variable Rate Home Loans up to 90% LVR.

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Pinnacle Plus Variable <90% LVR 3.95% 3.96%
Pinnacle Plus All-In-One 4.1% -

Pinnacle Fixed Rate Home Loans up to 90% LVR

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Fixed 1 year 3.19% 4.35%
Fixed 2 year 3.19% 4.24%
Fixed 3 year 3.19% 4.13%
Fixed 4 year 3.29% 4.07%
Fixed 5 year 3.29% 3.99%

First Home Buyers.

First Home Buyers Fixed Rate Home Loan^^

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
Fixed 1 Year First Home Buyers 3.14% 4.00%
Fixed 2 Year First Home Buyers 3.14% 3.96%
Fixed 3 Year First Home Buyers 3.14% 3.92%

First Home Buyers Total Home Loan Package Variable

Home Loan Interest Rate (%p.a.) Comparison Rate (%p.a.)
First Home Buyers Total Home Loan Package Variable 3.24% 3.65%

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Interest rates are current as at 07/04/2020. Interest rates are subject to change without notice. 

*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 eligible owner occupied home loan products. No package or other discounts will apply to the advertised rate. Offer available for a limited time only and may be withdrawn at any time. Parent Equity, Bridging, Land Rent Scheme, Interest Only, multiple security, and building / construction loans are not eligible.


**Pinnacle Variable <90% available only to new loans where minimum new loan amount is $200,000 or when existing borrowers increase their loan by a minimum of $200,000 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 for new qualifying loans applied for from 22/10/2019.

***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 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. Borrowers who acquired this loan before this date may have different eligibility, interest rate or product attributes.

Available only for new qualifying loans applied for from 22/10/2019.

^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.

^^ Annual Total Home Loan Package fee applies of $395.

1. Pinnacle +Plus package is available to members with a combined balance 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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