Total Home Loan Package 
3-Year Fixed^

6.29 percent per annum
Interest Rate
7.69 percent per annum *
Comparison Rate
3-year fixed rate for new owner-occupied loans less than 80% LVR.
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Needing some certainty?

Some people like the security of knowing that their home loan repayments won’t change. If you’re one of them, this could be the loan for you. With a Beyond Bank Fixed Rate Home Loan you can sit back and relax with knowledge that your repayments won’t change (during your fixed-rate term) whether you’re buying a new home or looking to refinance.


Make extra repayments.

Make up to $25,000 in extra repayments each year without penalty.1

Free online redraw.

Withdraw any extra repayments you have made.2


No Establishment Fee.

That’s a saving of $445.3


Minimum new lending of $50,000 on eligible home loan product. LVR is less than or equal to 80%. 

Want to chat?

Speak with one of our experienced mobile lenders today at home, work, in branch or over the phone.

Award Winning Internet and Mobile Banking.4

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.
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Interest rates are applicable to new loan applications received from 21 May 2024 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.

^Total Home Loan Package 3-Year Fixed is available only to new qualifying loans applied for from 07/04/2020 for owner-occupied purposes (Parent Equity, Bridging, Building/Construction or Land Rent Scheme loans not available). Interest rate is available to new loan applications and are only available on new lending or when existing borrowers increase their loan amount by a minimum of $50,000 and the LVR is less than or equal to 80% at point of loan origination. Borrowers who acquired this loan before this date 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.

* The comparison rate is calculated on a $150,000 loan with monthly repayments over a 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. 

Repay an additional $25,000 per year on any of the fixed rate terms without fee or penalty. Additional repayments over $25,000 per year to a fixed rate term will result in a break cost being payable.

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.

4 Awarded Canstar Customer-Owned Bank of the Year for Mobile Banking and Internet Banking 2016, 2017, 2018, 2019 and 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. © 2023.

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