Total Home Loan Package
2-Year Fixed.

1.79 percent per annum
Interest Rate
3.73 percent per annum *
Comparison Rate
For new owner-occupied loans less than or equal to 60% LVR.^

A better home for your loan.

Whether you're buying or refinancing, let's work together to take the next step today.

Split Your Loan.

Combine the stability of a fixed rate with the flexibility of a variable rate.


No Establishment Fee.

Save your cash for the good stuff. No loan establishment fee, saving you $445.1

Fast Approvals.

Our lending specialists will work with you for a fast turnaround time to approval.


  • Four-month pre-approval so can search for your home or property with confidence2
  • Split your loan. Combine the stability of a fixed rate with the flexibility of a variable rate
  • Make additional repayments up to $25,000 p.a. when on a fixed rate3
  • Redraw option so you can withdraw any extra repayments you have made4
  • Annual fee waived on the Low Rate Credit Card.5

How to apply.

Start application online.

If you’re looking to buy, invest or refinance, start your home loan application online. It takes about 15 minutes and you’ll be asked to provide details of your income, assets and expenses.


A Lending Specialist will contact you.

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.



The most exciting stage! If your loan is approved, it’s time to sign your loan documents and finalise the settlement.


See how much you could save by switching to Beyond Bank.

Try out our calculator that allows you to compare any two loans, with different interest rates as well. See how much you could save today.

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.

In 2020/21 alone we received:

  • Roy Morgan's Annual Customer Satisfaction award for Bank of the Year 2020
  • Forbes World's Best Banks for 2021 Top 5 in Australia
  • Canstar's Customer Owned Bank of the Year – Mobile and Online Banking (for the sixth year running).

Still have questions about our home loans?

Talk to a loan specialist.
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 specialist
Pre-qualify for your home loan. 
Complete our pre-qualification and learn how much you can borrow to buy, refinance or invest.
Pre-qualify now

Interest rates are current as at 18/10/2021. 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 examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^ Total Home Loan Package 2-Year Fixed is available only to new qualifying loans applied for from 18/10/2021 for owner-occupied purposes (NHFIC Scheme Loans, Parent Equity, Bridging, Building and Construction purposes are not available) and where the LVR is less than or equal to 60% at the time of loan origination. LVR means Loan to Value Ratio.  We will calculate your LVR and determine your eligibility for this rate when we assess your loan. A higher LVR may result in a different interest rate. Minimum loan amount of $50,000 applies. Borrowers who acquired this loan before 18/10/2021 may have different eligibility, interest rate or product attributes. The Total Home Loan Package has an annual fee of $395. We apply the discounted fixed rate on loan settlement date or the date the fixed rate period commences unless a rate lock applies. At the end of the fixed rate period, the interest rate will revert to the prevailing standard variable rate applicable at that time for the remainder of the loan term.

1 There is no establishment fee ($445) on this interest rate. Valuation fees and other fees (such as government charges) may apply. $395 Annual Package Fee applies.

2 Conditional loan pre-approval is available for a period of 120 days.

3 Additional repayments over $25,000 per year to a Fixed Rate term will result in a break cost being payable.

4 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.

5 Total Home Loan borrowers are eligible to have to Low-Rate Credit Card annual fee waived on one card per package. 

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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