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.


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.


Product Interest Rate p.a. Comparison Rate p.a.
Standard Variable Home Loan - LVR: ≤90% 4.45% p.a 4.49% p.a

Product - Standard Variable Home Loan - LVR: ≤90%

Interest Rate p.a.
4.45% p.a
Comparison Rate p.a.
4.49% p.a

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
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

Other products you might like.

Total Home Loan Package.

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

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 27 April 2022. 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, 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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