Fixed Rate Home Loan



Fixed rate home loan.

Some people like the security of knowing that their home loan repayments will not change. If you’re one of them, this is the loan for you. With a Beyond Bank Fixed Rate Home Loan you can sit back and relax with knowledge your repayments won’t change (during your fixed-rate term). Whether you’re buying a new home or looking to refinance, with this premium home loan you’ll enjoy:

  • No monthly fees
  • Great flexibility and great rates
  • Four-month pre-approval.
%†
p.a.
Interest rate

%
p.a.
Comparison rate

1 year fixed rate owner occupied loan less than 90% LVR.

Big benefits.

The appealing benefit of a fixed home loan is not only the great fixed rate but the security of knowing it won’t change during your fixed-rate term. But that’s just the tip of the iceberg. This premium home loan is packed with features including:

  • 1, 2, 3, 4, or 5-year fixed rates terms
  • Four-month pre-approval so you can search for your home or property with confidence1
  • Guarantee your rate at application, with Rate Lock, so you know the rate you will get at settlement2
  • Borrow up to 90% of the value of the security property
  • Loan terms up to 30 years. Maximise your loan term and minimise your regular repayments
  • Free online redraw. Withdraw any extra repayments you have made, or you could enjoy a repayment holiday4
  • 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. Choose your payment frequency from weekly to monthly.
  • Make up to $25,000 in extra repayments each year without penalty5
  • Discounted interest rates available for Pinnacle Plus customers!6
  • A pre-approved overdraft limit or Low Rate Credit Card7
  • Parent Equity available.

Little fees.

  • Establishment fee: $4455
  • Settlement fee: $200
  • Monthly service fee: $0

 


Rates

4.64 %† p.a.
Interest rate
5.19 % p.a.
Comparison rate
Fixed 1 year
4.74 %‡ p.a.
Interest rate
5.15 % p.a.
Comparison rate
Fixed 2 year
4.84 p.a.
Interest rate
5.14 % p.a.
Comparison rate
Fixed 3 year
5.09 p.a.
Interest rate
5.20 % p.a.
Comparison rate
Fixed 4 year
5.09 %\\ p.a.
Interest rate
5.19 % p.a.
Comparison rate
Fixed 5 year

Loan reverts to our standard variable rate at the end of the period. View our full home loan interest rates.

Home Loan Repayments

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* Interest rate is current as of 02/07/2013.
† Interest rate is current as of 19/09/2017.
‡ Interest rate is current as of 19/09/2017.
§ Interest rate is current as of 19/09/2017.
¶ Interest rate is current as of 19/09/2017.
\\ Interest rate is current as of 19/09/2017.

1. Conditional loan pre-approval is available for a period of 120 days.

2. A Rate Lock fee is applicable if you choose this option.  Rate will be held for a maximum 90 days from application date.

3. 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.

4. Redraws and repayment holidays are subject to approval. Fees applicable for manual redraws from loans.

5 Breakcosts apply when more than $25,000 is made in additional repayments in one year.
6. Pinnacle +plus package is available to customers with combined balances of $200,000 or more in eligible loans and deposits. Other eligibility, terms and conditions apply.
7. Pre-approved line of credit or Low Rate Credit Card up to $5,000 to approved applicants.
8. 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. Interests are subject to change without notice. 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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