Home Loans

Wondering where to start when looking for a home loan? Check out the most common questions and answers from our customers.

We can help you to lodge an application so we can understand what you need to borrow, your income details as well as understand what you own and/or any loans or credit you owe. That way we can let you know if we can help with your refinance and if it is the right moment for you to do it. It is also important that you know all the details of your current mortgage such as interest rate, fees and features of your loan.

After we have done this initial assessment and collate all documents required,  we sent you the contracts you need to accept and we also have you authorise Beyond Bank to get in touch with your current financial institution to refinance your loan.

Although many aspects of the application process are standard, in order to understand how much you can borrow we need to understand your individual circumstances.

You can:

  • Contact our Customer Relationship Centre Monday to Friday 8.00am -8.00pm ACST and Saturdays 9.00am-3.00pm ACST
  • Contact us via Live Chat for general information Monday to Friday 9.00am -6.00pm ACST and Saturdays 9.00am -3.00pm ACST
  • Attend a branch
  • Or have one of our experienced Mobile Relationship Managers come to you.

It works by connecting the account to the eligible loan, and you are only charged interest on the difference in amount. For example, if you have a home loan for $200,000 and have $10,000 in your linked offset account, interest is only calculated on the difference, in this case $190,000.

*A minimum $500 balance must be retained in the Offset Account to receive the benefit.

We can help you to lodge an application so we can understand what you need to borrow, your income details as well as understand what you own and/or any loans or credit you owe. That way we can let you know if we can help with your refinance.

As well as having certain parts of your application we have you confirm and contract you need to accept, we also have you authorize Beyond Bank to get in touch with your current financial institution to refinance your loan.

There can be many benefits including the ability to borrow extra funds, reducing the ongoing loan repayments, having the one loan if you choose to consolidate other facilities.

You can contact our Customer Relationship Centre after 5pm Monday to Thursday and 9am to 3pm Saturdays, otherwise, some selected branches open outside standard office hours or an experienced Mobile Relationship Managers come to you at a time which suits.

Your lending consultant will provide their direct contact details as the first point of contact, and loan status can be viewed by existing customers within internet banking under ‘Apply’ and then ‘Loan Status’ however, you can always contact the branch or our Customer Relationship Centre staff to direct you accordingly. 

Our  Customer Relationship Centre operating hours are Monday to Friday 8.00am -8.00pm ACST and Saturday 9.00am-3.00pm ACST.

There is a great deal of change and uncertainty due to COVID-19 and this is causing concern about finances and their ongoing loan repayments.

We have recently announced a range of financial assistance options for both personal and small business customers. If you are a personal customer please click here for more information or to apply for assistance. If you are a business customer please click here for more information or to apply for assistance.

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Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit License 237 856 ('Beyond Bank') arranges travel insurance as agent of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL No. 24563.

All other general insurance is arranged as agent of Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No 234708 (Allianz).

Neither we nor any of our related companies guarantee the benefits payable under the policies or the repayment of any premium. PremierCare® is a registered trade mark of Beyond Bank Australia.

When we arrange insurance, we may receive a commission from the insurer. The commission is calculated as a percentage of the premium you pay, not including any taxes or other government charges. The amount of commission varies depending on the type of insurance and will be in the range of 0% to 30%. Commission is only payable on premium actually paid. We may also receive a profit share payment based on the profitability of eligible products in our insurance portfolio. Ask us for more details before we provide you with the services.

Any advice here does not take into account your objectives, financial situation or needs, which you should consider before acting on any of our recommendations. All information regarding the benefits, features or extent of cover provided by any of the policies is provided as a summary only. You should refer to the relevant Product Disclosure Statement (“PDS”) for the full policy terms, conditions, exclusions and limitations. The PDS can be reviewed from this website or you can call us on 13 25 85 and request a copy. If you obtain or purchase insurance through our website you also agree to have received our Financial Services Guide (FSG) which is available from this website. 

Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/ Australian Credit Licence 237856 is an agent for Allianz Australia Insurance Limited (ABN 15 000 122 850) of Level 12, 2 Market Street, Sydney, NSW, 2000, telephone number 132 664.

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