100% mortgage offset account.
Multiple Offset Accounts can be linked to a Variable Loan. The balance in this account reduces the interest you pay on your mortgage.1
Parent Equity.
Parent equity option (all you need is a parent willing to “guarantee” part of your loan).
Redraw.
Redraw payments made in advance at any time through Internet, Mobile and Telephone Banking.2
Benefits.
- Borrow up to 95% of the value of the property3
- We can also lodge your first home owner grant application
- Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.
Interest rates.
Fixed.
| Home Loan | Interest Rate p.a. | Comparison Rate p.a. |
|---|---|---|
| Fixed 1 Year First Home Buyers Total Home Loan Package - LVR: ≤95% | 6.69% p.a | 8.01% p.a |
| Fixed 2 Year First Home Buyers Total Home Loan Package - LVR: ≤95% | 6.69% p.a | 7.90% p.a |
| Fixed 3 Year First Home Buyers Total Home Loan Package - LVR: ≤95% | 6.69% p.a | 7.81% p.a |
Home Loan - Fixed 1 Year First Home Buyers Total Home Loan Package - LVR: ≤95%
- Interest Rate p.a.
- 6.69% p.a
- Comparison Rate p.a.
Home Loan - Fixed 2 Year First Home Buyers Total Home Loan Package - LVR: ≤95%
- Interest Rate p.a.
- 6.69% p.a
- Comparison Rate p.a.
Home Loan - Fixed 3 Year First Home Buyers Total Home Loan Package - LVR: ≤95%
- Interest Rate p.a.
- 6.69% p.a
- Comparison Rate p.a.
| Building | Interest Rate p.a. | Comparison Rate p.a. |
|---|---|---|
| Fixed 1 year Total Home Loan Package - LVR <95% (Building) | 6.89% p.a | 8.03% p.a |
| Fixed 2 year Total Home Loan Package - LVR <95% (Building) | 6.89% p.a | 7.94% p.a |
| Fixed 3 year Total Home Loan Package - LVR <95% (Building) | 6.89% p.a | 7.86% p.a |
Building - Fixed 1 year Total Home Loan Package - LVR <95% (Building)
- Interest Rate p.a.
- 6.89% p.a
- Comparison Rate p.a.
Building - Fixed 2 year Total Home Loan Package - LVR <95% (Building)
- Interest Rate p.a.
- 6.89% p.a
- Comparison Rate p.a.
Building - Fixed 3 year Total Home Loan Package - LVR <95% (Building)
- Interest Rate p.a.
- 6.89% p.a
- Comparison Rate p.a.
Variable.
| Product. | Interest Rate p.a. | Comparison Rate p.a. |
|---|---|---|
| First Home Buyers Total Home Loan Package Variable - LVR <95% | 6.19% p.a | 6.54% p.a |
| First Home Buyers Total Home Loan Package Variable - LVR <95% (Building) | 6.34% p.a | 6.69% p.a |
Product. - First Home Buyers Total Home Loan Package Variable - LVR <95%
- Interest Rate p.a.
- 6.19% p.a
- Comparison Rate p.a.
Product. - First Home Buyers Total Home Loan Package Variable - LVR <95% (Building)
- Interest Rate p.a.
- 6.34% p.a
- Comparison Rate p.a.
Fees and charges.
| Mortgage Loan Establishment Fee | $0 |
| Mortgage Loan Settlement Fee | $0 |
| Loan Variation Documentation fee | $0 |
| Rate Variation Fee | $0 |
| Annual Total Home Loan Package Fee | $395 |
| Property Valuation fee | At cost |
View our Fees and Charges Guide for the full details. Other up-front fees including government charges may apply based on the loan and application type and can be advised on application.
Bank with Australia’s best.
We are proud to be ranked one of top banks Australia in Forbes 2023 World’s Best Banks. This was based on key metrics such as trust, fees, digital services and financial advice.
How to apply.
Start application.
If you’re looking to buy, invest or refinance, start your home loan application online. It takes about 15 minutes and you’ll be asked to provide details of your income, assets and expenses.
Speak to a Lending Specialist.
Once we receive your application, a Lending Specialist will contact you to confirm eligibility, next steps and answer any questions you may have.
Assessment & evaluation.
To assess your loan, we’ll need to verify your details and obtain supporting documents, such as payslips and bank statements. Your Lending Specialist will support you through the process.
Approval.
The most exciting stage! If your loan is approved, it’s time to sign your loan documents and finalise the settlement.
Still have questions about our home loans?
Who can apply?
This loan is available for customers aged 18 years and over. Must be an Australian citizen or permanent Australian resident. When you acquire this product you will automatically become a member of Beyond Bank Australia and become part-owner of the bank.
This package is exclusive to first home buyers participating in the Home Guarantee Scheme (HGS) only. Applicants may need to complete a statutory declaration of application or provide evidence of first home buyer status at our request. Other conditions, eligibility criteria and verification requirements apply.
Interest rates are applicable to new loan applications received from 21 November 2023 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.
^This offer is available exclusively to first home buyers participating in the Home Guarantee Scheme only. Eligibility criteria apply to the Home Guarantee Scheme and First Home Guarantee, for more information visit www.nhfic.gov.au . The Total Home Loan Package has an Annual Package Fee of $395. This offer may be withdrawn at any time and is not available with any other offer. Applicants may need to complete a statutory declaration of application or provide evidence of first home buyer status at our request. 95% lend is inclusive of capitalised Lenders Mortgage Insurance (LMI). This offer may be withdrawn at any time and is not available with any other offer.
1 100% Mortgage Offset Account is only available on Variable Rate Home Loans.
2 Minimum redraw amount is $500. Redraw in-advance amounts at any time through Internet Banking. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount.
3 Borrow up to 95% 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 and not participating in the Home Guarantee Scheme (HGS). This may vary based on the location of the property.
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.
