Investment home loans that are anything but standard.
Choice of interest rate.
Choose either a variable or fixed interest rate.
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 or interest only 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.
| Product | Interest Rate p.a. | Comparison Rate p.a.* |
|---|---|---|
| Fixed 1 year Standard Investment Loan. Principal & Interest - LVR: ≤90% | 7.49% p.a | 8.87% p.a |
| Fixed 2 year Standard Investment Loan. Principal & Interest - LVR: ≤90% | 7.49% p.a | 8.72% p.a |
| Fixed 3 year Standard Investment Loan. Principal & Interest - LVR: ≤90% | 7.49% p.a | 8.58% p.a |
| Fixed 4 year Standard Investment Loan. Principal & Interest - LVR: ≤90% | 7.49% p.a | 8.46% p.a |
| Fixed 5 year Standard Investment Loan. Principal & Interest - LVR: ≤90% | 7.49% p.a | 8.34% p.a |
Product - Fixed 1 year Standard Investment Loan. Principal & Interest - LVR: ≤90%
- Interest Rate p.a.
- 7.49% p.a
- Comparison Rate p.a.*
Product - Fixed 2 year Standard Investment Loan. Principal & Interest - LVR: ≤90%
- Interest Rate p.a.
- 7.49% p.a
- Comparison Rate p.a.*
Product - Fixed 3 year Standard Investment Loan. Principal & Interest - LVR: ≤90%
- Interest Rate p.a.
- 7.49% p.a
- Comparison Rate p.a.*
Product - Fixed 4 year Standard Investment Loan. Principal & Interest - LVR: ≤90%
- Interest Rate p.a.
- 7.49% p.a
- Comparison Rate p.a.*
Product - Fixed 5 year Standard Investment Loan. Principal & Interest - LVR: ≤90%
- Interest Rate p.a.
- 7.49% p.a
- Comparison Rate p.a.*
| Product | Interest Rate p.a. | Comparison Rate p.a.* |
|---|---|---|
| Fixed 1 year Standard Investment Loan. Interest Only, LVR ≤90% | 7.69% p.a | 9.16% p.a |
| Fixed 2 year Standard Investment Loan. Interest Only, LVR ≤90% | 7.69% p.a | 8.99% p.a |
| Fixed 3 year Standard Investment Loan. Interest Only, LVR ≤90% | 7.69% p.a | 8.85% p.a |
| Fixed 4 year Standard Investment Loan. Interest Only, LVR ≤90% | 7.69% p.a | 8.71% p.a |
| Fixed 5 year Standard Investment Loan. Interest Only, LVR ≤90% | 7.69% p.a | 8.59% p.a |
Product - Fixed 1 year Standard Investment Loan. Interest Only, LVR ≤90%
- Interest Rate p.a.
- 7.69% p.a
- Comparison Rate p.a.*
Product - Fixed 2 year Standard Investment Loan. Interest Only, LVR ≤90%
- Interest Rate p.a.
- 7.69% p.a
- Comparison Rate p.a.*
Product - Fixed 3 year Standard Investment Loan. Interest Only, LVR ≤90%
- Interest Rate p.a.
- 7.69% p.a
- Comparison Rate p.a.*
Product - Fixed 4 year Standard Investment Loan. Interest Only, LVR ≤90%
- Interest Rate p.a.
- 7.69% p.a
- Comparison Rate p.a.*
Product - Fixed 5 year Standard Investment Loan. Interest Only, LVR ≤90%
- Interest Rate p.a.
- 7.69% p.a
- Comparison Rate p.a.*
Variable.
| Product | Interest Rate p.a. | Comparison Rate p.a.* |
|---|---|---|
| Standard Variable Investment Loan. Principal & Interest - LVR: ≤90% | 8.99% p.a | 9.04% p.a |
Product - Standard Variable Investment Loan. Principal & Interest - LVR: ≤90%
- Interest Rate p.a.
- 8.99% p.a
- Comparison Rate p.a.*
Interest only.
| Product | Interest Rate p.a. | Comparison Rate p.a.* |
|---|---|---|
| Standard Variable Home Loan. Interest only – LVR <90% | 9.29% p.a | 9.34% p.a |
Product - Standard Variable Home Loan. Interest only – LVR <90%
- Interest Rate p.a.
- 9.29% p.a
- Comparison Rate p.a.*
Fees and charges.
| Establishment fee (waived for Life Member) | $445 |
| Settlement fee | $200 |
| Loan Variation fee | $345 |
| Rate Variation fee | $150 |
| Property Valuation fee | 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.
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Bank with Australia’s best.
We are proud to be ranked one of top banks Australia in Forbes 2023 World’s Best Banks. This was based on key metrics such as trust, fees, digital services and financial advice.
How to apply.
Start application.
If you’re looking to invest, 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 investment home loans?
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.
Other investment products 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.
1 100% Mortgage Offset is only available on Variable Rate Home Loans.
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.
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.
