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.

A home loan with options and benefits to suit you.

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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

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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.

Fixed (New Money Special).

Product - Total Home Loan Package 1-Year Fixed - LVR: ≤80%

Interest Rate p.a.
6.29% p.a
Comparison Rate p.a.
7.97% p.a

Product - Total Home Loan Package 2-Year Fixed - LVR: ≤80%

Interest Rate p.a.
6.29% p.a
Comparison Rate p.a.
7.82% p.a

Product - Total Home Loan Package 3-Year Fixed - LVR: ≤80%

Interest Rate p.a.
6.29% p.a
Comparison Rate p.a.
7.69% p.a

Product - Total Home Loan Package 4-Year Fixed - LVR: ≤80%

Interest Rate p.a.
6.59% p.a
Comparison Rate p.a.
7.68% p.a

Product - Total Home Loan Package 5-Year Fixed - LVR: ≤80%

Interest Rate p.a.
6.59% p.a
Comparison Rate p.a.
7.59% p.a

Fixed.

Product - Fixed 1 year Total Home Loan Package - LVR: ≤90%

Interest Rate p.a.
6.49% p.a
Comparison Rate p.a.
7.99% p.a

Product - Fixed 2 year Total Home Loan Package - LVR: ≤90%

Interest Rate p.a.
6.49% p.a
Comparison Rate p.a.
7.86% p.a

Product - Fixed 3 year Total Home Loan Package - LVR: ≤90%

Interest Rate p.a.
6.49% p.a
Comparison Rate p.a.
7.75% p.a

Product - Fixed 4 year Total Home Loan Package - LVR: ≤90%

Interest Rate p.a.
6.79% p.a
Comparison Rate p.a.
7.75% p.a

Product - Fixed 5 year Total Home Loan Package - LVR: ≤90%

Interest Rate p.a.
6.79% p.a
Comparison Rate p.a.
7.68% p.a

Variable.

Product Interest Rate p.a. Comparison Rate p.a.
Total Home Loan Package Variable Rate Home Loan LVR <60% 6.14% p.a 6.49% p.a

Product - Total Home Loan Package Variable Rate Home Loan LVR <60%

Interest Rate p.a.
6.14% p.a
Comparison Rate p.a.
6.49% p.a
Product Interest Rate p.a. Comparison Rate p.a.
Total Home Loan Package Variable - LVR: ≤90% 7.80% p.a 8.13% p.a

Product - Total Home Loan Package Variable - LVR: ≤90%

Interest Rate p.a.
7.80% p.a
Comparison Rate p.a.
8.13% p.a

Still have questions about our home loans?

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 home loan specialist
Check out the most frequently asked questions about home loans.
Visit FAQs
services
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

Lenders 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.

Other products you might like.

Purple Basic Variable Home Loan.

A variable home loan rate for owner-occupied home loans less than 70% LVR.
Find out more

Standard Home Loans.

We give you a premium home loan with a raft of handy extras that makes it easy to purchase your new home or refinance your existing mortgage.
Find out more

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.

*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 3-Year Fixed is available only to new qualifying loans applied for from 18 April 2023 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.

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.

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.

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. © 2023.

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