Total Home Loan Package.

2.90 percent per annum
Interest Rate
3.32 percent per annum *
Comparison Rate
Total Home Loan Package Variable Special for new owner-occupied home loans over $50,000^.

A home loan with so many options and benefits.

Rate options.

Both variable and fixed rate options.


Mortgage Offset account.

You could save thousands over the life of your loan by maximising the interest you save through a Mortgage Offset account.


Ditch the fees.

Enjoy the benefits of our Purple Transactor account and no annual fee on our Low Rate Credit Card.

Big benefits.

Who’d have thought a home loan package could offer so much? With our Total Home Loan Package, you could pay less fees and lower interest. You can also switch from variable to fixed at any time, and even split your loan between both different rate types at no cost. Want more? How about:

  • Fully featured variable and fixed rates including loan redraw1 and 100% Offset2 (multi-offset available) to maximise the interest you save on your loan
  • No transaction fees on the Mortgage Offset Account.


Minimum new lending of $50,000 on an eligible home or investment loan product.


- No loan establishment fee (save $445)

- Annual Package Fee: $395.



Calculate your home loan repayments.

Lender' 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.



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 15/09/2020. 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.

^Total Home Loan Package Variable Special is only available to new loans or increases to existing loans when the minimum new borrowing amount is $50,000 and the LVR does not exceed 80% on eligible owner-occupied home loan products. No other discounts will apply to the advertised rate. Offer available for a limited time only and may be withdrawn at any time. This offer will continue until the loan is varied. Parent Equity, Bridging, Land Rent Scheme, Interest Only and Building / Construction loans are not eligible.

1 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.

100% Offset is only available on Variable Rate Home Loans. A minimum $500 balance must be retained in the Offset Account to receive the benefit.

~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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