Total Home Loan Package Variable.

6.14 percent per annum
Interest Rate
6.49 percent per annum *
Comparison Rate
Variable rate for new owner-occupied loans less than 60% LVR.^

A home loan with options and benefits to suit you.

money bags

100% Mortgage Offset Account.

An account linked to your home loan. The balance in this account reduces the interest you pay on your mortgage.1


No Establishment Fee.

Save your cash for the good stuff. No loan establishment fee, saving you $445.2

Split Your Loan.

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


  • Four-month pre-approval so can search for your home or property with confidence3
  • Split your loan. Combine the stability of a fixed rate with the flexibility of a variable rate
  • Make unlimited additional repayments to your loan when on a variable interest rate. Or, make up to $25,000 p.a. when on a fixed rate4
  • Redraw option so you can withdraw any extra repayments you have made5
  • Annual fee waived on the Low Rate Credit Card.6

How to apply.

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 2022/23 alone, we received:

  • Forbes World's Best Banks for 2023, one of the top banks in Australia 
  • Canstar's Customer Owned Bank of the Year - Mobile and Online Banking (for the eight 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 applicable to new loan applications received from 29 February 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.

^ Rate is available for new loans applied for from 18 April 2023 where the LVR does not exceed 60%.  LVR means Loan to Value Ratio.  We will calculate your LVR and determine your eligibility for this rate when we approve your loan.  A higher LVR may result in a different interest rate. Not available for construction, parent equity, bridging and NHFIC scheme loans. 

* 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.

100% Offset is only available on Variable Rate Home Loans. 

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.

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

4 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.

5  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.

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. © 2023.


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