Basic Variable Home Loan.

4.14 percent per annum
Interest Rate
4.31 percent per annum *
Comparison Rate
Basic variable owner occupied home loan up to 90% LVR

A low-interest, no frills home loan that’s still packed full of features.

If you’re looking for a good, basic home loan without any unwanted extras, our Basic Variable Home Loan offers excellent value. Buy your new home or refinance your existing loan with this low-interest home loan.

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Redraw options.

Low variable interest rate and option to redraw, with loan terms up to 30 years.

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Ditch the fees.

No establishment fee for first home buyers.

 

Convenient.

Search for your home with confidence with a four-month pre-approval.

Big benefits.

  • Borrow up to 90% of the value of the security property1
  • Loan terms up to 30 years. Maximise your loan term and minimise your regular repayments
  • Redraw option. Withdraw any extra repayments you have made, or you could enjoy a repayment holiday2
  • Parent Equity available
  • Split your loan. Combine the stability of a fixed rate of interest with the flexibility of a variable rate of interest
  • Flexible principal and interest repayment options. Make additional repayments without penalty and choose your payment frequency from weekly to monthly
  • A pre-approved overdraft limit.3

Fees.^

-Establishment fee: $4454

-Settlement fee: $200

-Monthly service fee: $11.

Calculate your home loan repayments.

Lender’s Mortgage Insurance.

With the support of Lenders’ Mortgage Insurance (LMI), Beyond Bank may be able to accept a smaller deposit and provide a home loan to you that might not otherwise be available.

 

 

Ready to apply?

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

 

Not ready to apply?

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.

 

Talk To A Home Loan Specialist

Award Winning Internet and Mobile Banking.

Enjoy outstanding online and mobile banking with your home loan. Easier, simpler and more convenient.

Still have questions about our home loans?

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Our friendly Customer Relationship Centre staff are here to assist you. Monday - Friday 8.00am - 8.00pm, Saturday 9.00 - 3.00pm ACST.
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Check out the most frequently asked questions about home loans.
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Interest rates are current as at 04/09/2019.

^For full terms, conditions, fees and charges, please review our Financial Services Guide, Product Guide and Fees and Charges Guide.

1. 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.
2. Redraws and repayment holidays are subject to approval. Fees and charges may be payable for the redraw facility.
3. Pre-approved overdraft limits up to $5,000 to approved applicants.
4. Other upfront fees including valuation fees and government charges are payable.

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.

Interests are subject to change without notice. Terms, conditions, lending criteria, fees and charges apply. Full details are available at the time of application or by contacting us.

This information has been prepared without taking into account of your objectives, financial situation or needs. Before acting on this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs. All loans are provided by Beyond Bank Australia, a trading name of Community CPS Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237 856.

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