A home loan with options and benefits to suit you.

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

Flexibility.
Available also for Parent Equity, Bridging, Land Rent Scheme loans (ACT only) or Construction loan. Conditions apply.
Benefits.
- Available 1,2,3,4,5 -year fixed rates or variable interest rates
- Four-month pre-approval so can search for your home or property with confidence3
- Borrow up to 90% of the value of the security property4
- Loan term up to 30 years
- Split your loan. Combine the stability of a fixed rate with the flexibility of a variable rate
- Flexible principal and interest repayment options
- 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 rate5
- Redraw option so you can withdraw any extra repayments you have made6
- Annual fee waived on the Low Rate Credit Card.7
Interest rates.
Fixed (New Money Special).
Product | Interest Rate p.a. | Comparison Rate p.a. |
---|---|---|
Total Home Loan Package 1-Year Fixed - LVR: ≤80% (New Money Special) | 2.79% p.a | 4.19% p.a |
Total Home Loan Package 2-Year Fixed - LVR: ≤80% (New Money Special) | 3.59% p.a | 4.23% p.a |
Total Home Loan Package 3-Year Fixed - LVR: ≤80% (New Money Special) | 4.09% p.a | 4.33% p.a |
Total Home Loan Package 4-Year Fixed - LVR: ≤80% (New Money Special) | 4.49% p.a | 4.48% p.a |
Total Home Loan Package 5-Year Fixed - LVR: ≤80% (New Money Special) | 4.49% p.a | 4.52% p.a |
Product - Total Home Loan Package 1-Year Fixed - LVR: ≤80% (New Money Special)
- Interest Rate p.a.
- 2.79% p.a
- Comparison Rate p.a.
Product - Total Home Loan Package 2-Year Fixed - LVR: ≤80% (New Money Special)
- Interest Rate p.a.
- 3.59% p.a
- Comparison Rate p.a.
Product - Total Home Loan Package 3-Year Fixed - LVR: ≤80% (New Money Special)
- Interest Rate p.a.
- 4.09% p.a
- Comparison Rate p.a.
Product - Total Home Loan Package 4-Year Fixed - LVR: ≤80% (New Money Special)
- Interest Rate p.a.
- 4.49% p.a
- Comparison Rate p.a.
Product - Total Home Loan Package 5-Year Fixed - LVR: ≤80% (New Money Special)
- Interest Rate p.a.
- 4.49% p.a
- Comparison Rate p.a.
Fixed.
Product | Interest Rate p.a. | Comparison Rate p.a. |
---|---|---|
Fixed 1 year Total Home Loan Package - LVR: ≤90% | 2.99% p.a | 4.21% p.a |
Fixed 2 year Total Home Loan Package - LVR: ≤90% | 3.69% p.a | 4.25% p.a |
Fixed 3 year Total Home Loan Package - LVR: ≤90% | 4.19% p.a | 4.36% p.a |
Fixed 4 year Total Home Loan Package - LVR: ≤90% | 4.59% p.a | 4.51% p.a |
Fixed 5 year Total Home Loan Package - LVR: ≤90% | 4.59% p.a | 4.56% p.a |
Product - Fixed 1 year Total Home Loan Package - LVR: ≤90%
- Interest Rate p.a.
- 2.99% p.a
- Comparison Rate p.a.
Product - Fixed 2 year Total Home Loan Package - LVR: ≤90%
- Interest Rate p.a.
- 3.69% p.a
- Comparison Rate p.a.
Product - Fixed 3 year Total Home Loan Package - LVR: ≤90%
- Interest Rate p.a.
- 4.19% p.a
- Comparison Rate p.a.
Product - Fixed 4 year Total Home Loan Package - LVR: ≤90%
- Interest Rate p.a.
- 4.59% p.a
- Comparison Rate p.a.
Product - Fixed 5 year Total Home Loan Package - LVR: ≤90%
- Interest Rate p.a.
- 4.59% p.a
- Comparison Rate p.a.
Variable.
Product | Interest Rate p.a. | Comparison Rate p.a. |
---|---|---|
Total Home Loan Package Variable Special Offer - LVR: ≤60%^ | 2.39% p.a | 2.82% p.a |
Total Home Loan Package Variable - LVR: >80% - ≤90% (new money only) | 3.15% p.a | 3.56% p.a |
Total Home Loan Package Variable - LVR: >60% - ≤80%⁺ (new money only) | 2.84% p.a | 3.26% p.a |
Total Home Loan Package Variable - LVR: ≤60%⁺ (new money only) | 2.64% p.a | 3.07% p.a |
Product - Total Home Loan Package Variable Special Offer - LVR: ≤60%^
- Interest Rate p.a.
- 2.39% p.a
- Comparison Rate p.a.
Product - Total Home Loan Package Variable - LVR: >80% - ≤90% (new money only)
- Interest Rate p.a.
- 3.15% p.a
- Comparison Rate p.a.
Product - Total Home Loan Package Variable - LVR: >60% - ≤80%⁺ (new money only)
- Interest Rate p.a.
- 2.84% p.a
- Comparison Rate p.a.
Product - Total Home Loan Package Variable - LVR: ≤60%⁺ (new money only)
- Interest Rate p.a.
- 2.64% p.a
- Comparison Rate p.a.
Product | Interest Rate p.a. | Comparison Rate p.a. |
---|---|---|
Total Home Loan Package Variable - LVR: ≤90% | 3.90% p.a | 4.30% p.a |
Product - Total Home Loan Package Variable - LVR: ≤90%
- Interest Rate p.a.
- 3.90% p.a
- Comparison Rate p.a.
Fees and charges.
Establishment fee | $0 |
Settlement fee | $0 |
Loan Variation fee | $0 |
Rate Variation fee | $0 |
Monthly service fee | $0 |
Annual Package Fee | $395 |
Title Search Fee | $35.00 |
Valuation Fee | At cost |
Registration of Mortgage | At cost |
Lenders Mortgage Insurance | At cost |
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.
How to apply.
Start application.
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.
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 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.
Popular home loan calculators.
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Interest rates are current as at 27 April 2022. 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.
^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.
⁺ Rates are available only for new loans applied for from 13 September 2021. Rates may differ for existing borrowers.
1 100% Offset is only available on Variable Rate Home Loans.
2 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.
3 Conditional loan pre-approval is available for a period of 120 days.
4 Borrow up to 90% of the value of the security property. Lenders Mortgage Insurance is required where the loan is greater than 80% of the value of the security property. This may vary based on the location of the property.
5 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.
6 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.
7 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 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. © 2021.