The Bank for the TWU.

Total Home Loan Package 3-year fixed rate for new owner-occupied loans less than 80% LVR.

TWU members save more on their home loans.


Make extra repayments.

Make up to $25,000 in extra repayments each year without penalty.1

Free online redraw.

Withdraw any extra repayments you have made, or you could enjoy a repayment holiday.2


No Establishment Fee.

That’s a saving of $445.3

As a 100% customer-owned bank, we strive to go beyond for our customers.

We take pride in everything we do. That’s why we aim to exceed your expectations and return outstanding value through our wide range of products and services.

A better world is important to us too. That’s why we work closely with not-for-profits and community organisations and support their initiatives through fundraising, donations and volunteering.

Exclusive private banking for TWU members by Beyond Bank.


At Beyond Bank, we understand that the measures of success

are different for every individual. That’s why we’re offering,

exclusive banking services to members of the TWU.

  • A personal, dedicated relationship contact.
  • Focused on your individual banking and lending needs.
  • Access to special product offers.

Get in touch.

To find out more about this offer for TWU members, contact Paul George on                   0439 929 151 or click below to request a call back or an appointment.

Other ways we can support the TWU.

Car Loans.

  • Low interest rates, with up to seven years to repay your loan
  • Flexible repayment options
  • We can approve your car loan in advance, so you can search for your car with confidence.

Home Loans.

  • New purchases and refinances
  • First home buyer solutions
  • Investment property loans.

Day to day banking.

  • Transaction and Savings accounts
  • Term deposits
  • Community banking


Interest rates are current as at 23/12/2020. Interest rates are subject to change without notice. 

1 Break costs apply when more than $25,000 is made in additional repayments in one year.

2 Redraws and repayment holidays are subject to approval. Minimum redraw amount is $500. Fees applicable for manual redraws from loans. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount.

 3 Other upfront fees including valuation fees and government charges are payable.

Differences in repayments and savings over the life of the loan are calculated by comparing our 2.29% p.a. rate against an interest rate of 3.60% p.a. which is the average standard 3-year fixed home loan interest rate according to rate comparison site Finder (current as at 28/04/2020), on a loan amount of $400,000 repaid over 25 years.

^Total Home Loan Package 3-Year Fixed is available only to new qualifying loans applied for from 07/04/2020 that are secured against a single residential property 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.

*Comparison rates are based on a loan of $150,000 with monthly repayments over a term of 25 years. Warning: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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.

Terms, conditions, fees and charges apply; these will be provided at application or on request. Please review our Financial Services Guide (FSG) available on our website at, by calling us on 13 25 85 to request a copy or by visiting a branch. The FSG will be provided at the time of acquiring the product. Normal lending criteria applies.

This information has been provided without taking into account any of your objectives, financial situation or needs. You should consider whether it is suitable for your circumstances before acquiring this product. All loans are provided by Beyond Bank Australia Ltd ABN 15 087 651 143, AFSL/Australian Credit Licence 237856.

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