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 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 authorize Beyond Bank to get in touch with your current financial institution to refinance your loan.
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.
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.
Yes. The product and some individual particulars may change what charges apply to set up the new loan, but there are costs of doing this. Also, the bank you are leaving will have fees to payout their loan and discharge the mortgage they hold over the property.
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.
For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.
As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.