Refinancing your home loan.

6.14 percent per annum
Interest Rate
6.17 percent per annum *
Comparison Rate
Purple Basic Variable Home Loan < 60% LVR^
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goal-home Ready to save? Apply Online Now

Looking for refinance?

Is your fixed loan expiring soon? Perhaps you’re seeking a better deal, looking for better features or simply after better service with a bank that cares? 

Whatever your reasons, we are here to help. In fact, we’ve been helping our customers with their financial goals for more than 60 years. 
 
Our Home Loan Specialists can help you: 

  • Assess your current situation including costs, features and benefits 
  • Review the different loan options we provide 
  • Compare your new loan with your current loan 
  • Apply for your new loan with Beyond Bank.

Why refinance your home to Beyond Bank?

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Save your money.

Choose between fixed rate, Purple Basic Variable or variable package with offset.1 

Flexible loans.

Competitive interest rates, offset1 and redraw2 options .

Consolidate debts.

Debts like car loans and credit cards can be consolidated as part of the refinancing process. 

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FASTRefiĀ® option.

Refinance sooner rather than later with Beyond Bank's FASTRefi® option. Speak to us for more information.

Calculate and compare.

Use our Loan Comparison calculator for a personalised summary of potential savings. Simply enter the details of the Beyond Bank loan and your existing loan and find out how much you can save.

Don't know where to start?

Download our free refinancing guide.

Check out our full range of home loan tools and calculators.
 

Digital and service excellence awards.

As a customer-owned bank, delivering the best possible experience to our customers is one of the core foundations of Beyond Bank, and we have the awards to prove it.

  • Roy Morgan Customer Satisfaction Awards - Bank of the Year 2022
  • Canstar's Customer Owned Bank of the Year, Digital Banking 2015 - 2023
  • Canstar's Customer Owned Bank of the Year, Most Satisfied Customers 2023
  • Forbes World's Best Banks for 2023

Ready to save?

It’s simple really. You could make this home loan yours with our online application form.

Got Questions?

Have a chat with one of our experienced mobile lenders today. They can meet at your home, work or one of our branches. If you’d prefer they can chat with you over the phone.

We’re good, but don’t just take our word for it.

“Not having any experience with the home-buying process, we had feared it would be a complicated process. But Jodie made it so simple and stress-free. She guided us through everything we did, and we cannot thank her enough.” - Fungai and Judith, November 2023

Refinancers most frequently asked questions.

Interest rates are applicable to new loan applications received from 21 May 2024 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.

^Terms and conditions, fees and charges, eligibility and lending criteria apply. Full details are available on application. The interest rate displayed for the Purple Basic Variable Home Loan is available for new loans with a minimum borrowing amount of $150,000 or increases to existing loans where the increased borrowing amount is $50,000 or more and, in all cases, where the LVR does not exceed 60%. Offer only applies to new loans, or loan increases, applied for on and from 18 April 2023. Rates may differ for existing borrowers. No package or other discounts apply. The following products are excluded from this offer: Parent equity, bridging, Land Rent Scheme, interest-only, investment, and building/construction loans. This offer is available for a limited time only and may be varied, withdrawn, or replaced at any time in Beyond Bank’s sole and absolute discretion. 

*The comparison rate shown is calculated for a $150,000 secured loan repaid monthly 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.

FASTRefi® is provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority.  

1. Mortgage Offset Account is available on variable rate loans under the Total Home Loan Package only.

2. Minimum redraw amounts apply.  An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount.

Please note that transfers made on Internet Banking and Mobile Banking can take up to 24 hours to process. For immediate transfers please call us on 13 25 85 or visit a branch.

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.

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