Beyond Bank Australia
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.
Home loansBank updated 23 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 6.09% · 6.44% comparison
- Fixed
- 1 yr 6.29% · 2 yrs 6.39% · 3 yrs 6.59% · 4 yrs 6.69% · 5 yrs 6.69%
- Max LVR
- 90%
- Annual fee
- $395
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 17
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedSpecial Offer. Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | Owner occupied · P&I | 1 yr fixed | — | 6.29% | 6.95% | — |
| FixedTotal Home Loan Package owner occupied, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Owner occupied · P&I | 1 yr fixed | — | 6.59% | 6.98% | — |
| FixedSpecial Offer. Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | Owner occupied · P&I | 2 yrs fixed | — | 6.39% | 6.93% | — |
| FixedTotal Home Loan Package owner occupied, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Owner occupied · P&I | 2 yrs fixed | — | 6.69% | 6.99% | — |
| FixedSpecial Offer. Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | Owner occupied · P&I | 3 yrs fixed | — | 6.59% | 6.97% | — |
| FixedTotal Home Loan Package owner occupied, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Owner occupied · P&I | 3 yrs fixed | — | 6.89% | 7.05% | — |
| FixedSpecial Offer. Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | Owner occupied · P&I | 4 yrs fixed | — | 6.69% | 7.00% | — |
| FixedTotal Home Loan Package owner occupied, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Owner occupied · P&I | 4 yrs fixed | — | 6.99% | 7.11% | — |
| FixedSpecial Offer. Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | Owner occupied · P&I | 5 yrs fixed | — | 6.69% | 7.00% | — |
| FixedTotal Home Loan Package owner occupied, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Owner occupied · P&I | 5 yrs fixed | — | 6.99% | 7.13% | — |
| VariableTotal Home Loan Package Building Loan, owner occupied, interest only, LVR >0 - <=80%, a minimum loan amount of $50,000. Conditions apply. | Owner occupied · Interest only | — | — | 6.44% | 6.85% | — |
| VariableTotal Home Loan Package Building Loan, owner occupied, interest only, LVR >80 - 90%, a minimum loan amount of $50,000. Conditions apply. | Owner occupied · Interest only | — | — | 6.64% | 7.05% | — |
| VariableTotal Home Loan Package Bridging Home Loan, interest only. Conditions apply. | Owner occupied · Interest only | — | — | 7.69% | 8.09% | — |
| VariableTotal Home Loan Package owner occupied, principal & interest, LVR >0 - <60% & a minimum loan amount of $50,000. Conditions apply. | Owner occupied · P&I | — | — | 6.09% | 6.44% | — |
| VariableTotal Home Loan Package owner occupied, principal & interest, LVR >60 - <80% & a minimum loan amount of $50,000. Conditions apply. | Owner occupied · P&I | — | — | 6.14% | 6.49% | — |
| VariableTotal Home Loan Package owner occupied, principal & interest, LVR >80 - 90% & a minimum loan amount of $50,000. Conditions apply. | Owner occupied · P&I | — | — | 6.49% | 6.84% | — |
| VariableTotal Home Loan Package owner occupied, principal & interest, LVR >0 - <=90% & a minimum loan amount of $50,000. Reference Rate. Conditions apply. | Owner occupied · P&I | — | — | 7.80% | 8.13% | — |
§ 02 — Fees · 23
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Default fee on Home and Investment Loan - every 14th day thereafter | Event | $25 | — | This fee is payable every 14th day thereafter for so long as you remain in default. |
| Default fee on Home and Investment Loan - on the 8th day | Event | $20 | — | This fee is payable on the 8th day you are in default. |
| Default Notice Fee | Event | $20 | — | This fee is payable whenever we send you a default notice because you have defaulted under the contract or related mortgage. |
| Mortgage Discharge, Settlement or Partial Discharge Fee | Event | $350 | — | Payable whenever a mortgage is discharged or partially discharged |
| Rate Variation Fee | Event | $150 | — | 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. No Rate Variation fee - Total Home Loan Package |
| Reg of Discharge fee - SA | Event | $204 | — | — |
| Total Home Loan Package Fee | Periodic | $395 | Every 1 yr | This fee is payable by home loan borrowers who have a Total Home Loan Package. The fee is charged annually. |
| Redraw (online) fee | Transaction | No fee | — | Online redraw via Internet or Mobile Banking is free. |
| Redraw (staff-assisted) fee | Transaction | $35 | — | This fee is payable for each staff-assisted redraw. |
| Additional Security Fee | Upfront | $150 | — | This fee is payable when we prepare any security in addition to the mortgage over the primary mortgaged property. |
| Building / Bridging Establishment Fee | Upfront | $890 | — | Payable on the establishment of a building or bridging loan |
| Hold Fixed Interest Rate | Upfront | 0.15% of balance | — | 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. The minimum and maximum amounts are intend… |
| Loan Variation Documentation fee | Upfront | $345 | — | This fee is payable when a property already held by us as security is to be used as security for additional credit. No Loan Variation Documentation fee - Total Home Loan Package |
| Mortgage Loan Establishment Fee | Upfront | $445 | — | This fee is payable on establishment of the loan. No Mortgage Loan Establishment Fee - Total Home Loan Package |
| Mortgage Loan Settlement Fee (a) | Upfront | $200 | — | This fee is payable for a new loan settled. No Mortgage Loan Settlement Fee (a) - Total Home Loan Package |
| Mortgage Loan Settlement Fee (b) | Upfront | $150 | — | This fee is payable for each loan variation or top up settled. No Mortgage Loan Settlement Fee (b) - Total Home Loan Package |
| Progress Payment Fee | Upfront | $20 | — | This fee applies to loans for construction purposes and are payable per progress payment we process. |
| Reg of Mortgage fee - NSW | Upfront | $182.73 | — | — |
| Reg of Mortgage fee - SA | Upfront | $204 | — | — |
| Reg of Transfer fee - ACT | Upfront | $496 | — | — |
| Reg of Transfer fee - NSW | Upfront | $182.73 | — | — |
| Search Fee | Upfront | $35 | — | This fee is payable for each search we conduct in relation to a loan or security. |
| Security Handling Fee | Upfront | $150 | — | 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. |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
- · Pre-Approval: 120 day pre-approval so you can search with confidence.
- · 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 condit…
- · 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…
- · Split Loan: A split loan gives you the stability of a fixed interest rate plus the flexibility of a variable interest rate.
- · 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 th…
- · 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 a…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Citizen
- · Employment: Lending criteria, requirements and terms and conditions apply
- · Amount $50,000 to $2,000,000
- · Maximum LVR 90%
- · Membership: You must be or become a Beyond Bank Australia member.
- · Lending criteria applies. Terms, conditions, fees and charges apply.
- · Available for Parent Equity, Bridging, Land Rent Scheme loans (ACT only) or Construction loans. Conditions apply.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Beyond Bank Australia under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.