Standard Variable Home Loan.

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

A home loan that's anything but standard.


Great flexibility with a competitive variable interest rate and four month pre-approval.


Mortgage Offset account.

100% mortgage offset account.1


Easy redraw.

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

Big benefits.

We give you a premium home loan with a raft of handy extras that make it easy to purchase your new home or refinance your existing mortgage. What’s more, we can approve your loan four months in advance so you can search for your perfect home or property with confidence. Want more? How about:

  • 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
  • Parent Equity available
  • Flexible principal and interest repayment options. Make additional repayments without penalty and choose your payment frequency from weekly to monthly
  • Bridging finance available.


-Establishment fee: $4453

-Settlement fee: $200

-Monthly service fee: $0.

Calculate your home loan repayments.

Lenders' 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.4



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?

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
Check out the most frequently asked questions about home loans.
Visit FAQs

Interest rates are current as at 24/11/2020. 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. A minimum of $500 balance must be retained in the Offset Account to receive the benefit.

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.

Other upfront fees including valuation fees and government charges may apply.

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.

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. © 2020.

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