Beyond Bank AustraliaStandard Home Loans
Offering flexibility with a choice of a competitive variable or fixed rate, optional mortgage offset account on variable rates and access to redraw extra repayments.
At a glance
- Variable (owner occ. P&I)
- 8.95%9.00% comparison
- Fixed
- 1 yr 7.24%, 2 yrs 6.94%, 3 yrs 7.04%, 4 yrs 7.19%, 5 yrs 7.19%
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
Rates
Every rate Beyond Bank Australia publishes for this home loan, 6 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.38%8.95%
- 1 yr fixedtypical 6.59%7.24%
- 2 yrs fixedtypical 6.62%6.94%
- 3 yrs fixedtypical 6.69%7.04%
- 4 yrs fixed7.19%
- 5 yrs fixedtypical 6.89%7.19%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedStandard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied, P&I | 1 yr fixed | - | 7.24% | 8.81% | - |
| FixedStandard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied, P&I | 2 yrs fixed | - | 6.94% | 8.57% | - |
| FixedStandard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied, P&I | 3 yrs fixed | - | 7.04% | 8.42% | - |
| FixedStandard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied, P&I | 4 yrs fixed | - | 7.19% | 8.32% | - |
| FixedStandard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied, P&I | 5 yrs fixed | - | 7.19% | 8.19% | - |
| VariableStandard Variable Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied, P&I | - | - | 8.95% | 9.00% | - |
Rate changes
6 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 13 Oct 2026 | Variable, Owner occupied, P&I | 8.70% | 8.95% | up 0.25 |
| 7 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed | 6.74% | 6.94% | up 0.20 |
| 7 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.94% | 7.04% | up 0.10 |
| 7 Oct 2026 | Fixed, Owner occupied, P&I, 4 yrs fixed | 7.04% | 7.19% | up 0.15 |
| 7 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed | 7.04% | 7.19% | up 0.15 |
| 29 Sept 2026 | Fixed, Owner occupied, P&I, 1 yr fixed | 6.64% | 7.24% | 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
22 fees published, grouped by when they're charged.
When you take it out13
- Additional Security Fee
This fee is payable when we prepare any security in addition to the mortgage over the primary mortgaged property.
$150 - 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.
$345 - Mortgage Loan Establishment Fee
This fee is payable on establishment of the loan. No Mortgage Loan Establishment Fee - Life Members
$445 - Mortgage Loan Settlement Fee (a)
This fee is payable for a new loan settled.
$200 - Mortgage Loan Settlement Fee (b)
This fee is payable for each loan variation or top up settled.
$150 - Reg of Mortgage fee - ACT$184
- Reg of Mortgage fee - NSW$182.73
- Reg of Mortgage fee - SA$204
- Reg of Transfer fee - ACT$496
- 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
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 happen7
- 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.
$150 - Reg of Discharge fee - ACT$184
- Reg of Discharge fee - SA$204
Features
- Split Loan: A split loan gives you the stability of a fixed interest rate plus the flexibility of a variable interest rate.
- Optional - Pre-approved Low Rate Credit Card up to $5,000 to approved applicants. Conditions apply.
Eligibility and limits
- Minimum age 18
- Residency: Australian Citizen
- Employment: Lending criteria, requirements and terms and conditions apply
- Available to individuals
- Amount $10,000 to $2,000,000
- Maximum LVR 90%
- Membership: You must be or become a Beyond Bank Australia member.
- Lending criteria applies.
- Available for Investment, Parent Equity, Bridging, Construction or Land Rent Scheme (ACT only) loan. Conditions apply.
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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.