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.
| Product. | Interest Rate p.a. | Comparison Rate p.a. |
|---|---|---|
| Fixed 1 Year First Home Buyers Total Home Loan Package - LVR: ≤95% | 2.99% p.a | 3.98% p.a |
| Fixed 2 Year First Home Buyers Total Home Loan Package - LVR: ≤95% | 3.69% p.a | 4.05% p.a |
| Fixed 3 Year First Home Buyers Total Home Loan Package - LVR: ≤95% | 4.19% p.a | 4.18% p.a |
Product. - Fixed 1 Year First Home Buyers Total Home Loan Package - LVR: ≤95%
- Interest Rate p.a.
- 2.99% p.a
- Comparison Rate p.a.
Product. - Fixed 2 Year First Home Buyers Total Home Loan Package - LVR: ≤95%
- Interest Rate p.a.
- 3.69% p.a
- Comparison Rate p.a.
Product. - Fixed 3 Year First Home Buyers Total Home Loan Package - LVR: ≤95%
- Interest Rate p.a.
- 4.19% p.a
- Comparison Rate p.a.
Variable.
| Product. | Interest Rate p.a. | Comparison Rate p.a. |
|---|---|---|
| First Home Buyers Total Home Loan Package Variable | 2.90% p.a | 3.32% p.a |
Product. - First Home Buyers Total Home Loan Package Variable
- Interest Rate p.a.
- 2.90% 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.
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, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan. 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 First Home Loan Deposit Scheme only. Applicants may need to complete a statutory declaration of application or provide evidence of first home buyer status at our request. Conditions apply.
Interest rates are current as at 27 April 2022. Interest rates are subject to change without notice.
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 First Home Loan Deposit Scheme. 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. © 2021.
