Looking to grow your property portfolio?

Interest rate from 

6.24 percent per annum
Interest Rate
6.27 percent per annum *
Comparison Rate
Purple Basic Variable Rate Investment Loan LVR <60%

Key features.

money bags

100% mortgage offset account.

An account linked to your investment home loan. The balance in this account reduces the interest you pay on your mortgage.1


No establishment fee.

Save your cash for the good stuff. No loan establishment fee, saving you $445.2


Free redraw.

Fee free online redraws available on any extra repayments you have made3

For and with you.

Each year, we measure our performance and evaluate our contribution to Australian communities.

Our contribution to our community:

  • We invest 9% of net profit into our community partnerships and programs
  • Our staff get 2 days to volunteer in the community
  • We give back over $680,000 through our Community Reward Program 
  • Supporting communities in times of natural disaster with donations over $120,000.

Beyond Bank is different. We’re not a big bank. We’re a Certified B Corp and we use our profits to strengthen communities. Find out how.



An investment home loan with options and benefits to suit you.

  • Four-month pre-approval so can search for your property with confidence4
  • Borrow up to 80% of the value of the security property5
  • Combine the stability of a fixed rate with the flexibility of a variable rate
  • Make unlimited additional repayments to your loan6
  • Annual fee waived on the Low Rate Credit Card.7


Home Loan Repayment Calculator

Ready to Apply?

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


Got Questions?

Have a chat with one of our experienced mobile lenders today. They can meet at your home, work, one of our branches or can chat with you over the phone.


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.

We are here to help.

Our friendly Customer Relationship Centre staff are here to assist you. Monday - Friday 8.00am - 8.00pm, Saturday 9.00 - 3.00pm ACST.
Call Us / 13 25 85
Have questions about home loans? Check out the most frequently asked questions.
Visit FAQs
Our live chat is available weekdays 9am - 5pm.
Let's Chat


Interest rates are applicable to new loan applications received from 21 May 2024 and are subject to change without notice. Terms, conditions and eligibility criteria apply, including minimum lending amounts.

Borrowers who acquired or applied for these products before this date may have a different interest rate.

*Comparison rates are based on a loan of $150,000 with monthly repayments over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^The Total Home Loan Package is available for investment purposes and has an Annual Package Fee of $395. Parent Equity, Building/Construction, Bridging and Home Guarantee Scheme loans are not eligible.

1 100% Mortgage Offset Account is only available on Variable Rate Home Loans.

2 There is no establishment fee ($445) on this interest rate. Valuation fees and other fees (such as government charges) may apply. $395 Annual Package Fee applies.

3 There is no minimum redraw amount. Free redraw of payments made in-advance can be done at any time through Internet Banking and Mobile Banking. Fees apply for staff-assisted redraw. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount.

Please note that transfers made on Internet Banking and Mobile Banking can take up to 24 hours to process. For immediate transfers please call us on 13 25 85 or visit a branch.

4 Conditional loan pre-approval is available for a period of 120 days.

5 Borrow up to 80% of the value of the security property. Lenders Mortgage Insurance is required where the loan is greater than 80% of the value of the security property. This may vary based on the location of the property.

6 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.

7 Total Home Loan borrowers are eligible to have to Low Rate Credit Card annual fee waived on one card per package.

All applications for credit are subject to Beyond Bank’s credit assessment criteria. Terms and conditions are available on request. Fees and charges apply. This information is available on our website at www.beyondbank.com.au/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch.

All loans are provided by Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2023.

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