Key features and rates.
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.
Make Extra Repayments.
Make up to $25,000 in extra repayments each year without penalty.1
Free online redraw.
Withdraw any extra repayments you have made, or you could enjoy a repayment holiday.2
Ditch the fees.
No monthly fees.
| Product | Interest Rate p.a. | Comparison Rate p.a. |
|---|---|---|
| Fixed 1 year - LVR: ≤90% | 7.24% p.a | 8.59% p.a |
| Fixed 2 year - LVR: ≤90% | 7.24% p.a | 8.44% p.a |
| Fixed 3 year - LVR: ≤90% | 7.24% p.a | 8.31% p.a |
| Fixed 4 year - LVR: ≤90% | 7.24% p.a | 8.19% p.a |
| Fixed 5 year - LVR: ≤90% | 7.24% p.a | 8.08% p.a |
Product - Fixed 1 year - LVR: ≤90%
- Interest Rate p.a.
- 7.24% p.a
- Comparison Rate p.a.
Product - Fixed 2 year - LVR: ≤90%
- Interest Rate p.a.
- 7.24% p.a
- Comparison Rate p.a.
Product - Fixed 3 year - LVR: ≤90%
- Interest Rate p.a.
- 7.24% p.a
- Comparison Rate p.a.
Product - Fixed 4 year - LVR: ≤90%
- Interest Rate p.a.
- 7.24% p.a
- Comparison Rate p.a.
Product - Fixed 5 year - LVR: ≤90%
- Interest Rate p.a.
- 7.24% p.a
- Comparison Rate p.a.
Big benefits.
- 1, 2, 3, 4 or 5-year fixed rates terms
- Four-month pre-approval so you can search for your home or property with confidence3
- Guarantee your rate at application, with Rate Lock, so you know the rate you will get at settlement4
- Borrow up to 90% of the value of the security property5
- Loan terms up to 30 years. Maximise your loan term and minimise your regular repayments
- 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
- Parent Equity option available.
Fees.
- Establishment fee: $445
- Settlement fee: $200
- Monthly service fee: $0
Calculate your home loan repayments.
Ready to apply?
It’s simple really. Make this home loan yours 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.
Still have questions about our home loans?
Other home loans you might like.
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.
*The comparison rate is calculated based on a secured loan amount of $150,000 over a loan 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.
1 Repay an additional $25,000 per year on any of the fixed rate terms without fee or penalty. Additional repayments over $25,000 per year to a fixed rate term will result in a break cost being payable.
2 Minimum redraw amount is $500. Free redraw in-advance amounts at any time through Internet Banking and Mobile Banking. Fees apply for staff-assisted redraw. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount.
3 Conditional loan pre-approval is available for a period of 120 days.
4 A rate lock fee is applicable if you choose this option. Rate will be held for a maximum 90 days from the application date.
5 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.
6 Lenders Mortgage Insurance (LMI) applies when the loan amount is greater than 80% of the value of the security property. This may vary based on the location of the property.
^ Awarded Canstar Customer-Owned Bank of the Year for Mobile Banking and Internet Banking 2016, 2017, 2018, 2019 and 2020 and Mozo Expert Choice 2019 for Excellent Banking App.
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.
