Key features and rates.
Prefer knowing exactly what your repayments will be? With a Beyond Bank Fixed Rate Home Loan, you can sit back and relax with the knowledge your repayments won’t change during your fixed-rate term.
Big benefits.
- 1, 2, 3, 4 or 5-year fixed rates terms
- Four-month pre-approval so you can search for your home or property with confidence3
- Guarantee your rate at application, with Rate Lock, so you know the rate you will get at settlement4
- Borrow up to 90% of the value of the security property5
- Loan terms up to 30 years. Maximise your loan term and minimise your regular repayments
- Split your loan. Combine the stability of a fixed rate of interest with the flexibility of a variable rate of interest
- Flexible principal and interest repayment options. Choose your payment frequency from weekly to monthly
- Parent Equity option available.
Interest rates.
| Home Loan | Interest Rate (%p.a.) | Comparison Rate (%p.a.)* |
| Fixed 1 year - LVR <90% | 6.74% p.a. | 8.53% p.a. |
| Fixed 2 year - LVR <90% | 6.74% p.a. | 8.33% p.a. |
| Fixed 3 year - LVR <90% | 6.84% p.a. | 8.19% p.a. |
| Fixed 4 year - LVR <90% | 7.14% p.a. | 8.15% p.a. |
| Fixed 5 year - LVR <90% | 7.14% p.a. | 8.03% p.a. |
Loan reverts to our standard variable rate at the end of the period. View our full home loan interest rates.
Fees and charges.
Fees that apply.
| Establishment fee | $445 |
| Settlement fee | $200 |
| Monthly service fee | Free |
View our Fees and Charges Guide for the full details of other transaction and service fees that may apply.
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.⁵
How to apply.
-
Start application.
If you’re looking to buy, invest or refinance, start your home loan application online. It takes 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.
Ready to apply?
It’s simple really. Make this home loan yours in as little as 15 minutes with our online application form.
Not ready to apply?
Chat with one of our experienced Mobile Lenders at a time and place that suits you.
Digital and service excellence awards.
As a customer-owned bank, delivering the best possible experience to our customers is one of the core foundations of Beyond Bank, and we have the awards to prove it.
Roy Morgan Customer Satisfaction Awards - Bank of the Year 2022
Canstar's Customer Owned Bank of the Year, Digital Banking 2015 - 2023
Canstar's Customer Owned Bank of the Year, Most Satisfied Customers 2023
Forbes World's Best Banks for 2023
Still have questions about our home loans?
Other products you might like.
First Home Buyers Package
A home loan specifically for borrowers who qualify for and participate in the Home Guarantee Scheme (HGS). Eligibility requirements and conditions apply.
Find out morePlease read this important information.
| Interest rates are current as at 21 May 2024 and are subject to change. | |
| * | Comparison rates are based on a $150,000 loan over a 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. |
| 1 | Unlimited additional repayments available on Variable Rate Loans. Repay an additional $25,000 per year on any of the Fixed Rate term without fee or penalty. Additional repayments over $25,000 per year to a Fixed Rate term will result in a break cost being payable. |
| 2 | 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. |
| 3 | Conditional loan pre-approval is available for a period of 120 days. |
| 4 | A rate lock fee is applicable if you choose this option. Rate will be held for a maximum 90 days from the application date. |
| 5 | Lenders' Mortgage Insurance is required when the loan is greater than 80% of the value of the security property. This may vary based on the location of the property. |
| The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change. | |
| Results are based on information you have provided and do not take your personal circumstances into account. This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. You should consider obtaining advice from a financial services licensee before making any financial decisions. | |
| Calculator by Widget Works. | |
| 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 beyondbank.com.au/about-us/corporate-governance/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. © 2024. |