Don’t you deserve a better home loan rate?

Join our customer owned bank.

Get a better rate with our Total Home Loan Package Variable Special!^

We know it can be hard choosing the right home loan with so many options in the market. So, we’ve created our Total Home Loan Package Variable Special.^ This means you get a great rate and loan features that maximise your flexibility.

As a 100% customer owned bank, we strive to go beyond for our customers. Join our customer owned bank to experience the difference.

Features you don’t want to miss out on.

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

24/7 access to your accounts.

Easy online banking with our award-winning mobile banking app.3

Discover how much you could save by refinancing.

Have a look at this example.

Let’s say you currently have a $400,000 home loan with repayments of $9404 per fortnight.

By switching to Beyond Bank’s home loan rate offer of 2.90% p.a. your repayments will drop to $9084 per fortnight. That’s pretty good, but it gets better.

Over the life of a 25-year loan, you could save $27,635.

Ready to save?

It’s simple really. You can make this great home loan yours with our online application form. Expect more, change banks. Apply online now and you could save!

Being customer owned, makes us different.

“The minute we stepped into the branch we were welcomed like old friends. If you are looking to move to a bank that can offer personalised service and financial products that suit your needs, then we urge you to make the change today." Emma Burch and Brett Cooper. (February, 2018)

Award Winning Internet and Mobile Banking.3

Enjoy outstanding online and mobile banking. Easier, simpler and more convenient.

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 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 90% 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. 

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

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 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.

4 Differences in repayments and savings over the life of the loan are calculated by comparing our 2.90% p.a. rate against an interest rate of 3.34% p.a. which is the average standard variable home loan interest rate according to rate comparison site Mozo (current as at November 2020), on a loan amount of $400,000 repaid over 25 years.

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. © 2021.

Back to top

Share this page