Beyond Bank Australia
Standard 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.
Home loansBank updated 23 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 8.70% · 8.75% comparison
- Fixed
- 1 yr 6.64% · 2 yrs 6.74% · 3 yrs 6.94% · 4 yrs 7.04% · 5 yrs 7.04%
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 6
| 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 | — | 6.64% | 8.52% | — |
| FixedStandard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied · P&I | 2 yrs fixed | — | 6.74% | 8.33% | — |
| FixedStandard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied · P&I | 3 yrs fixed | — | 6.94% | 8.22% | — |
| FixedStandard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied · P&I | 4 yrs fixed | — | 7.04% | 8.11% | — |
| FixedStandard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied · P&I | 5 yrs fixed | — | 7.04% | 7.99% | — |
| VariableStandard Variable Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply. | Owner occupied · P&I | — | — | 8.70% | 8.75% | — |
§ 02 — Fees · 22
| 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. |
| Reg of Discharge fee - ACT | Event | $184 | — | — |
| Reg of Discharge fee - SA | Event | $204 | — | — |
| 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. |
| 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. |
| Mortgage Loan Establishment Fee | Upfront | $445 | — | This fee is payable on establishment of the loan. No Mortgage Loan Establishment Fee - Life Members |
| Mortgage Loan Settlement Fee (a) | Upfront | $200 | — | This fee is payable for a new loan settled. |
| Mortgage Loan Settlement Fee (b) | Upfront | $150 | — | This fee is payable for each loan variation or top up settled. |
| Reg of Mortgage fee - ACT | Upfront | $184 | — | — |
| 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
- · 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.
§ 04 — Eligibility & 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.
§ 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.