Fixed Rate Home Loan.

3.34 percent per annum
Interest Rate
4.39 percent per annum *
Comparison Rate
1 year fixed rate owner occupied loan less than 90% LVR.

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.

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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

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Ditch the fees.

No monthly fees.

Rates

3.34 %* p.a.
Interest rate
4.39 % p.a.
Comparison rate
Fixed 1 year
3.34 %† p.a.
Interest rate
4.29 % p.a.
Comparison rate
Fixed 2 year
3.34 %‡ p.a.
Interest rate
4.20 % p.a.
Comparison rate
Fixed 3 year
3.44 p.a.
Interest rate
4.15 % p.a.
Comparison rate
Fixed 4 year
3.44 p.a.
Interest rate
4.08 % 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.

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.

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.6

 

 

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.

 

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.
Call Us / 13 25 85
Check out the most frequently asked questions about home loans.
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Interest rates are current as at 15/09/2020. Interest rates are subject to change without notice. 

*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 example 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.

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, 2019,2020 and Mozo Expert Choice 2019 for Excellent Banking App.

Terms, conditions, fees and charges apply; these will be provided at application or on request. Normal lending criteria applies. Please review our Financial Services Guide, Product Guide, and Fees and Charges Guide by calling us on 13 25 85 to request a copy or by visiting a branch.

This information has been provided without taking into account any of your objectives, financial situation or needs. You should consider whether it is suitable for your circumstances before acquiring this product. 

All loans are provided by Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237 856. © 2020.

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