Beyond Bank AustraliaHome Buyers Scheme Home Loan
A Home Buyer Scheme Home Loan is an exclusive package for first home buyers. Benefit from a lower deposit required, a choice of fixed or variable rate, and the flexibility for your loan to grow with you.
At a glance
- Variable (owner occ. P&I)
- 6.39%6.74% comparison
- Fixed
- 1 yr 6.89%, 2 yrs 6.59%, 3 yrs 6.69%
- Max LVR
- 95%
- Annual fee
- $395
- Features
- offset, redraw, extra repayments
Rates
Every rate Beyond Bank Australia publishes for this home loan, 5 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%6.39%
- 1 yr fixedtypical 6.59%6.89%
- 2 yrs fixedtypical 6.62%6.59%
- 3 yrs fixedtypical 6.69%6.69%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedHome Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposi… | Owner occupied, P&I | 1 yr fixed | - | 6.89% | 7.23% | - |
| FixedHome Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposi… | Owner occupied, P&I | 2 yrs fixed | - | 6.59% | 7.17% | - |
| FixedHome Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposi… | Owner occupied, P&I | 3 yrs fixed | - | 6.69% | 7.17% | - |
| VariableHome Buyer Scheme Total Home Loan Package Building Loan. Owner occupied, interest only, LVR >0 - <=95%, a minimum loan amount of $50,000 new money. Only available to participants in the Australian Go… | Owner occupied, Interest only | - | - | 6.69% | 7.10% | - |
| VariableHome Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposi… | Owner occupied, P&I | - | - | 6.39% | 6.74% | - |
Rate changes
5 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 13 Oct 2026 | Variable, Owner occupied, Interest only | 6.44% | 6.69% | up 0.25 |
| 13 Oct 2026 | Variable, Owner occupied, P&I | 6.14% | 6.39% | up 0.25 |
| 7 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed | 6.39% | 6.59% | up 0.20 |
| 7 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.59% | 6.69% | up 0.10 |
| 29 Sept 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 6.29% | 6.89% | up 0.60 |
Each change is logged the night it appears in the rates Beyond Bank Australia publishes. See how every lender answered the RBA on the rate tracker.
Fees
21 fees published, grouped by when they're charged.
- When you take it outUp to $89012 fees, each listed below
- While you hold it$395 a yearTotal Home Loan Package Fee
- When you close it or pay it offNo fee published
When you take it out12
- Additional Security Fee
This fee is payable when we prepare any security in addition to the mortgage over the primary mortgaged property.
$150 - Building / Bridging Establishment Fee
Payable on the establishment of a building or bridging loan
$890 - Hold Fixed Interest Rate
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…
0.15% of balance - Loan Variation Documentation fee
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 - Home Buyer Scheme Total Home Loan Package
$345 - Mortgage Loan Establishment Fee
This fee is payable on establishment of the loan. No Mortgage Loan Establishment Fee - Home Buyer Scheme Total Home Loan Package
$445 - Mortgage Loan Settlement Fee (a)
This fee is payable for a new loan settled. No Mortgage Loan Settlement Fee (a) - Home Buyer Scheme Total Home Loan Package
$200 - Mortgage Loan Settlement Fee (b)
This fee is payable for each loan variation or top up settled. No Mortgage Loan Settlement Fee (b) - Home Buyer SchemeTotal Home Loan Package
$150 - Reg of Mortgage fee - NSW$182.73
- Reg of Mortgage fee - SA$204
- Reg of Transfer fee - NSW$182.73
- Search Fee
This fee is payable for each search we conduct in relation to a loan or security.
$35 - Security Handling Fee
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.
$150
While you hold it1
- Total Home Loan Package Fee
This fee is charged annually for those who have a Total Home Loan Package.
$395 a year
When you make a transaction2
- Redraw (online) fee
Online redraw via Internet or Mobile Banking is free.
No fee - Redraw (staff-assisted) Fee
This fee is payable for each staff-assisted redraw.
$35
When particular things happen6
- Default fee on Home and Investment Loan - every 14th day thereafter
This fee is payable every 14th day thereafter for so long as you remain in default.
$25 - Default fee on Home and Investment Loan - on the 8th day
This fee is payable on the 8th day you are in default.
$20 - Default Notice Fee
This fee is payable whenever we send you a default notice because you have defaulted under the contract or related mortgage.
$20 - Mortgage Discharge, Settlement or Partial Discharge Fee
Payable whenever a mortgage is discharged or partially discharged
$350 - Rate Variation Fee
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 - Home Buyer Scheme Total Home Loan Package
$150 - Reg of Discharge fee - SA$204
Features
- LVR: Borrow up to 95% of the value of the property (inclusive of LMI). Exclusive to first home buyers participating in the Australian Government 5% Deposit Scheme only.
- Split Loan: A split loan gives you the stability of a fixed interest rate plus the flexibility of a variable interest rate.
Eligibility and limits
- Minimum age 18
- Residency: Australian Citizen
- Employment: Lending criteria, requirements and terms and conditions apply
- Available to individuals
- Amount $50,000 to $2,000,000
- Maximum LVR 95%
- Membership: You must be or become a Beyond Bank Australia member.
- Lending criteria applies. Terms, conditions, fees and charges apply.
- Eligibility: This package is exclusive to first home buyers participating in the Australian Government 5% Deposit Scheme only. Applicants may need to complete a statutory declaration of application o…
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Published by Beyond Bank Australia under the Consumer Data Right, last changed by them on 13 Oct 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.