Standard Home Loans.

4.45 percent per annum
Interest Rate
4.49 percent per annum
Comparison Rate
Standard Variable owner-occupied home loan up to 90% LVR.

Home loans that are anything but standard.

Choice of interest rate.

Choose either a variable or fixed interest rate.

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Mortgage Offset account.

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Easy redraw.

Redraw option so you can withdraw any extra repayments you’ve made or enjoy a repayment holiday.2

Benefits.

Offering flexibility with a choice of a competitive variable or fixed rate, optional mortgage offset account on variable rates and access to redraw extra repayments.

  • 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 with the flexibility of a variable rate.
  • Available for Investment, Parent Equity, Bridging, Construction or Land Rent Scheme (ACT only) loan.  Conditions apply.
  • Flexible principal and interest repayment options. Make additional repayments without penalty and choose your payment frequency from weekly to monthly
  • Optional - Pre-approved line of credit or Low Rate Credit Card up to $5,000 to approved applicants.  Conditions apply
  • Make additional repayments.  Unlimited additional repayments available on Variable Rate Loans. Additional repayments over $25,000 per year to a Fixed Rate term will result in a break cost being payable
  • This loan is available as part of the Total Home Loan Package
  • Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.

Interest rates.

Fixed.

Standard Home Loan Interest Rate p.a. Comparison Rate p.a.
Fixed 1 year 3.04% 4.36%
Fixed 2 year 3.04% 4.24%
Fixed 3 year 3.04% 4.12%
Fixed 4 year 3.14% 4.05%
Fixed 5 year 3.14% 3.96%
Standard Home Loan Pinnacle Plus Interest Rate p.a. Comparison Rate p.a.
Fixed 1 year 2.89% 3.87%
Fixed 2 year 2.89% 3.78%
Fixed 3 year 2.89% 3.69%
Fixed 4 year 2.99% 3.65%
Fixed 5 year 2.99% 3.58%

Variable.

Product Interest Rate p.a. Comparison Rate p.a.
Standard Variable Home Loan 4.45% 4.49%
Product Interest Rate p.a. Comparison Rate p.a.
Pinnacle Plus Variable <90% LVR 3.95% 3.96%

Fees and charges.

Establishment fee (waived for Pinnacle Plus and Life Member) $445
Settlement fee $200
Loan Variation fee $345
Rate Variation fee $150
Monthly service fee $0
Property Valuation fee At cost
Other Government fees and charges may also apply. At cost
Search Fee $35

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 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?

If you would like to know more about the home loan process, have a chat with one of our experienced loan specialists today.
Talk to a home loan specialist
Check out the most frequently asked questions about home loans.
Visit FAQs
services
Our friendly Customer Relationship Centre staff are here to assist you. Monday - Friday 8.00am - 8.00pm, Saturday 9.00am - 3.00pm ACST.
Call us / 13 25 85

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.

Popular home loan calculators.

Borrowing Power Calculator

Refinance Calculator

Home Loan Repayment Calculator

Other products you might like.

Total Home Loan Package.

A home loan with options and benefits to suit you with fixed and variable rates.

Purple Basic Variable Home Loan.

A variable home loan rate for owner-occupied home loans less than 70% LVR.
Find out more

Interest rates are current as at 23/12/2020. 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.

100% Mortgage Offset is only available on Variable Rate Home Loans. 

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.

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.

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.


 

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