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Example Interest Rates: Home Loan Variable: 5.69% (5.89%*) • Home Loan Fixed: 5.48% (6.24%*) • Fixed: 5.48% (6.24%*) • Variable: 5.69% (5.89%*) • Investment IO: 5.74% (6.40%*) • Investment PI: 5.58% (6.62%*)

  Total Home Loan Package

With our Total Home Loan Package, you could pay less fees and lower interest. You can also switch from variable to fixed at any time, and even split your loan between both different rate types at no cost.
Category: Home Loans  Last Updated July 3, 2024  Effective July 5, 2024

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Special Offer. Total Home Loan Package owner occupied, principal & interest, LVR <=80% & a minimum of $50,000 new money. Conditions apply.
Interest Rate
5.94% PA
Comparison Rate
7.75%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, FIXED, 5.94%
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 7.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 7.96%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.98%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 7.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 7.75%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.59%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.59%, Comparison Rate 7.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.75%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 6.79%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.04%
  • Lending Rate Type: Variable
  • Interest Rate: 6.04%, Comparison Rate 6.40%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.14%
  • Lending Rate Type: Variable
  • Interest Rate: 6.14%, Comparison Rate 6.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.29%
  • Lending Rate Type: Variable
  • Interest Rate: 6.29%, Comparison Rate 6.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.44%
  • Lending Rate Type: Variable
  • Interest Rate: 6.44%, Comparison Rate 6.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.49%
  • Lending Rate Type: Variable
  • Interest Rate: 6.49%, Comparison Rate 6.84%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 6.64%
  • Lending Rate Type: Variable
  • Interest Rate: 6.64%, Comparison Rate 6.99%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.69%
  • Lending Rate Type: Variable
  • Interest Rate: 7.69%, Comparison Rate 8.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, VARIABLE, 7.80%
  • Lending Rate Type: Variable
  • Interest Rate: 7.80%, Comparison Rate 8.13%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Complementary Product Discounts Additional Information: Total Home Loan Package includes Annual Fee waived on the Low Rate Credit Card.
  • Digital Banking Additional Information: Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.
  • Offset Additional Information: Offset optional: Multiple Offset Accounts can be linked to a Variable Loan. The balance in this account reduces the interest you pay on your mortgage. A minimum $500 balance must be retained in the Offset Account to receive the benefit.
  • Other Additional Information: Pre-Approval: 120 day pre-approval so you can search with confidence.
  • Other Additional Information: Additional Repayments: make unlimited additional repayments to your loan when on a variable interest rate; or make up to $25,000 p.a. in additional repayments to your loan when in a fixed rate.
  • Other Additional Information: Available as a Building Loan: Building Loan can be customised to suit your needs and comes with structured progress payments which ensure you only pay interest on the funds you need. Terms and conditions and other eligibility requirements apply.
  • Other Additional Information: Available for Parent Equity: With our Parent Equity option, a parent can "guarantee" part of your loan to alleviate the need for a deposit from you, usually around 20% of your total loan amount. Terms and conditions and other eligibility requirements apply
  • Other Additional Information: Split Loan: A split loan gives you the stability of a fixed interest rate plus the flexibility of a variable interest rate.
  • Other Additional Information: Land Rent Scheme Loan (ACT only): 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.
  • Other Additional Information: Available as a Bridging Loan: This type of loan allows you to purchase your new property without selling your existing property first. Usually a short term loan with interest only repayments. Terms and conditions and other eligibility requirements apply.
  • Redraw Additional Information: Redraw payments made in advance at any time through Internet and Mobile Banking. Minimum redraw amount is $500.

 Product Eligibility

  • Employment Status - Lending Criteria, Requirements And Terms And Conditions Apply.
  • Min Age - 18. Additional Information: Available for customers aged 18 years and over
  • Other Additional Information: Membership: You must be or become a Beyond Bank Australia member.
  • Other Additional Information: Lending criteria applies. Terms, conditions, fees and charges apply.
  • Other Additional Information: Available for Parent Equity, Bridging, Land Rent Scheme loans (ACT only) or Construction loans. Conditions apply.
  • Pension Recipient Additional Information: Lending criteria, requirements and terms and conditions apply
  • Residency Status - Australian Citizen. Additional Information: Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.

 Bank Fees and Charges

  • Total Home Loan Package Fee (Periodic), Amount: 395.00. Additional Information: This fee is payable by home loan borrowers who have a Total Home Loan Package. The fee is charged annually.
  • Mortgage Loan Establishment Fee (Upfront), Amount: 445.00. Additional Information: This fee is payable on establishment of the loan.
  • Mortgage Discharge, Settlement Or Partial Discharge Fee (Event), Amount: 350.00. Additional Information: Payable whenever a mortgage is discharged or partially discharged
  • Loan Variation Documentation Fee (Upfront), Amount: 345.00. Additional Information: This fee is payable when a property already held by us as security is to be used as security for additional credit.
  • Reg Of Mortgage Fee - Sa (Upfront), Amount: 192.00.
  • Reg Of Discharge Fee - Sa (Event), Amount: 192.00.
  • Redraw (staff-assisted) Fee (Transaction), Amount: 35.00. Additional Information: This fee is payable for each staff-assisted redraw.
  • Redraw (online) Fee (Transaction), Amount: 0.00. Additional Information: Online redraw via Internet or Mobile Banking is free.
  • Default Notice Fee (Event), Amount: 20.00. Additional Information: This fee is payable whenever we send you a default notice because you have defaulted under the contract or related mortgage.
  • Reg Of Transfer Fee - Act (Upfront), Amount: 463.00.
  • Hold Fixed Interest Rate (Upfront), Amount: Not Listed.. Additional Information: The amount of this fee is 0.15% of the loan amount and is payable should you wish to hold a fixed interest rate from time of loan application to settlement.
  • Rate Variation Fee (Event), Amount: 150.00. Additional Information: This fee is payable each time you ask us to vary the type of interest rate (variable to fixed or vice versa) or refix your loan.
  • Mortgage Loan Settlement Fee (a) (Upfront), Amount: 200.00. Additional Information: This fee is payable for a new loan settled.
  • Mortgage Loan Settlement Fee (b) (Upfront), Amount: 150.00. Additional Information: This fee is payable for each loan variation or top up settled.
  • Reg Of Mortgage Fee - Nsw (Upfront), Amount: 171.70.
  • Reg Of Transfer Fee - Nsw (Upfront), Amount: 171.70.
  • Progress Payment Fee (Upfront), Amount: 20.00. Additional Information: This fee applies to loans for construction purposes and are payable per progress payment we process.
  • Security Handling Fee (Upfront), Amount: 150.00. Additional Information: This fee is payable if you ask us to prepare documentation to note a change of your name on the title, or produce your land title.
  • Additional Security Fee (Upfront), Amount: 150.00. Additional Information: This fee is payable when we prepare any security in addition to the mortgage over the primary mortgaged property.
  • Search Fee (Upfront), Amount: 35.00. Additional Information: This fee is payable for each search we conduct in relation to a loan or security.
  • Default Fee On Home And Investment Loan - On The 8th Day (Event), Amount: 20.00. Additional Information: This fee is payable on the 8th day you are in default.
  • Default Fee On Home And Investment Loan - Every 14th Day Thereafter (Event), Amount: 25.00. Additional Information: This fee is payable every 14th day thereafter for so long as you remain in default.

 Limitations & Restrictions (Constraints)

  • Max Limit of 2000000.00 Additional Information: The maximum loan amount for each loan under the Total Home Loan Package is $2,000,000
  • Min Limit of 50000.00

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