Our Lending Specialists can help you:
- Assess your current situation including costs, features and benefits
- Review the different loan options we provide
- Compare your new loan with your current loan
- Apply for your new loan with Beyond Bank.
Why refinance your home to Beyond Bank?
Calculate and compare.
Use our Refinance calculator for a personalised summary of potential savings. Simply enter the details of the your existing loan and find out how much you could save.
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?
Have a chat with one of our experienced mobile lenders today. They can meet at your home, work or one of our branches. If you’d prefer they can chat with you over the phone.
Refinancing FAQs.
We can help you to lodge an application so we can understand what you need to borrow, your income details as well as understand what you own and/or any loans or credit you owe. That way we can let you know if we can help with your refinance and if it is the right moment for you to do it. It is also important that you know all the details of your current mortgage such as interest rate, fees and features of your loan.
After we have done this initial assessment and collate all documents required, we sent you the contracts you need to accept and we also have you authorise Beyond Bank to get in touch with your current financial institution to refinance your loan.
Useful links
Although many aspects of the application process are standard, in order to understand how much you can borrow we need to understand your individual circumstances.
You can:
- Contact our Customer Relationship Centre Monday to Friday 8.00am -8.00pm ACST and Saturdays 9.00am-3.00pm ACST
- Contact us via Live Chat for general information Monday to Friday 9.00am -6.00pm ACST and Saturdays 9.00am -3.00pm ACST
- Attend a branch
- Or have one of our experienced Mobile Relationship Managers come to you.
Useful links
It works by connecting the account to the eligible loan, and you are only charged interest on the difference in amount. For example, if you have a home loan for $200,000 and have $10,000 in your linked offset account, interest is only calculated on the difference, in this case, $190,000. The benefit is calculated daily based on the account's balance and applied to the interest amount charged at the end of the month.
Useful links
You can contact our Customer Relationship Centre to apply over the phone, apply through our website at your convenience, attend a branch or have one of our experienced Mobile Relationship Managers come to you.
Useful links
Currently, we offer home loans to all applicants, as well as building loans, investment loans and mortgage secured line of credit in some limited circumstances. Contact us for more detail.
Learn more about Beyond Bank.
About us
Our vision is not to be the biggest bank, but to be the best bank for relationships.
Learn more
Sustainability
We believe that by creating and returning value to our customers and their communities, we can create long-lasting financial wellbeing for future generations.
Learn morePlease read this important information.
| Interest rates are applicable to new loan applications received from 21 May 2024 and are subject to change without notice. Borrowers who acquired or applied for these products before this date may have a different interest rate. | |
| * | 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. |
| ^ | Available for new owner occupied, principal and interest loans where the minimum borrowing amount is $150,000, or increases to existing loans where the increased borrowing amount is $50,000 or more and, in all cases, where the LVR (Loan to Value Ratio) does not exceed 60%. We calculate your LVR and determine your eligibility for this rate when we assess your loan. Rates may differ for existing borrowers. No package or other discounts apply to the advertised rate. This offer is available for a limited time only and may be varied, withdrawn, or replaced at any time in Beyond Bank’s sole and absolute discretion. |
| The following loans are ineligible for this offer: Bridging, Building/Construction, Parent Equity, Land Rent Scheme, Interest Only, and Investment. | |
| FASTRefi® is provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority. | |
| 1 | Mortgage Offset Account is available on variable rate loans under the Total Home Loan Package only. |
| 2 | Minimum redraw amounts may apply. 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. |
| Please note that transfers made on Internet Banking and Mobile Banking can take up to 24 hours to process. For immediate transfers please call us on 13 25 85 or visit a branch. | |
| 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. |