Land Rent Scheme

Land rent scheme.

Great news if you live in Canberra. The ACT Government’s Land Rent Scheme is a more affordable way to own your own home. That’s because you’re buying or building your home on land that’s rented from the government, so you only need a loan just for the building. This makes it way cheaper and faster to own your own home. But it’s only available in the ACT and eligibility criteria and government approval are required. Some other highlights include:

  • Great fixed or variable rate options
  • Four-month pre-approval
  • Option to redraw.
Interest rate

Comparison rate

Standard variable owner occupied home loan.

Big benefits.

Apart from the fact you don’t need to buy your land, our Land Rent Scheme gives you approval of your loan three months in advance so you can search for your home or build with confidence. But it doesn’t end there, other great benefits include:

  • Borrow up to 90% of the value of the security property1
  • Loan terms up to 30 years. Maximise your loan term and minimise your regular repayments.
  • Redraw option. Withdraw any extra repayments you have made, or you could enjoy a repayment holiday.2
  • Flexible principal and interest repayment options. You choose when, how and how much you pay.
  • Additional repayments available3
  • Parent equity available
  • Discounted interest rates available for Pinnacle Plus customers.

Little fees.

  • Establishment fee: $4454
  • Settlement fee: $200
  • Monthly service fee: $05


Sound intriguing doesn’t it? Find out more about the ACT Government’s Land Rent Scheme:


Choose from

Total Home Loan Package

3.63 %* p.a.
Interest rate
4.03 % p.a.
Comparison rate

Variable Rate Owner Occupied Home Loans Find Out More

Home Loan Repayments

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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.

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 *Interest rates are current as of 13/08/2019.

1. Borrow up to $500,000 or 90% of the value of the security property (if it’s less than $500,000). 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.
2. Redraws and repayment holidays are subject to approval. Fees and charges may be payable for the redraw facility.
3. Extra repayments are limited to $25,000 in any year during a fixed-rate period. Break costs may be payable on repayments greater than $25,000 in any year with each year commencing on the anniversary of the date the loan was fixed.
4. A settlement fee of $150 and other upfront fees including valuation fees and government charges are payable.
5. Except for the Basic Variable Home Loan, which has a monthly fee of $11.

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 or examples 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.

Interests are subject to change without notice. Terms, conditions, lending criteria, fees and charges apply. Full details are available at the time of application or by contacting us.

This information has been prepared without taking into account of your objectives, financial situation or needs. Before acting on this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs. All loans are provided by Beyond Bank Australia Ltd. ABN 15 087 651 143 AFSL/Australian Credit Licence 237 856.

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