Beyond Bank AustraliaInvest Total Home Loan Package
Offering everything you need to purchase an investment property. Enjoy the flexibility of splitting your loan whether it be fixed or variable rate, choice of repayment options, redraw advanced funds or obtain pre-approval.
At a glance
- Variable (investor P&I)
- 6.49%
- Max LVR
- 90%
- Annual fee
- $395
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.49% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 26th lowest of 104, level with 14 others |
Rates
Every rate Beyond Bank Australia publishes for this home loan, 21 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- Variabletypical 6.59%6.49%
- 1 yr fixed7.09%
- 2 yrs fixed6.79%
- 3 yrs fixed6.89%
- 4 yrs fixed7.14%
- 5 yrs fixed7.14%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedTotal Home Loan Package Investment Loan, interest only, LVR 0 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Investment, Interest only | 3 yrs fixed | - | 7.09% | 7.36% | - |
| FixedTotal Home Loan Package Investment Loan, interest only, LVR 0 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Investment, Interest only | 5 yrs fixed | - | 7.34% | 7.48% | - |
| FixedSpecial Offer. Total Home Loan Package Investment Loan, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | Investment, P&I | 1 yr fixed | - | 7.09% | 7.34% | - |
| FixedTotal Home Loan Package Investment Loan, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Investment, P&I | 1 yr fixed | - | 7.39% | 7.37% | - |
| FixedSpecial Offer. Total Home Loan Package Investment Loan, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | Investment, P&I | 2 yrs fixed | - | 6.79% | 7.29% | - |
| FixedTotal Home Loan Package Investment Loan, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Investment, P&I | 2 yrs fixed | - | 7.09% | 7.35% | - |
| FixedSpecial Offer. Total Home Loan Package Investment Loan, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | Investment, P&I | 3 yrs fixed | - | 6.89% | 7.30% | - |
| FixedTotal Home Loan Package Investment Loan, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Investment, P&I | 3 yrs fixed | - | 7.19% | 7.39% | - |
| FixedSpecial Offer. Total Home Loan Package Investment Loan, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | Investment, P&I | 4 yrs fixed | - | 7.14% | 7.38% | - |
| FixedTotal Home Loan Package Investment Loan, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Investment, P&I | 4 yrs fixed | - | 7.44% | 7.49% | - |
| FixedSpecial Offer. Total Home Loan Package Investment Loan, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | Investment, P&I | 5 yrs fixed | - | 7.14% | 7.39% | - |
| FixedTotal Home Loan Package Investment Loan, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Investment, P&I | 5 yrs fixed | - | 7.44% | 7.53% | - |
| VariableTotal Home Loan Package Investment Loan, Interest only, LVR >0 - <=80% & a minimum loan amount of $50,000. Conditions apply. | Investment, Interest only | - | - | 6.59% | 6.94% | - |
| VariableTotal Home Loan Package Investment Loan, interest only, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Investment, Interest only | - | - | 6.99% | 7.33% | - |
| VariableTotal Home Loan Package Investment Loan, interest only, LVR >0 - <=90% & a minimum loan amount of $50,000. Reference Rate. Conditions apply. | Investment, Interest only | - | - | 8.50% | 8.82% | - |
| VariableTotal Home Loan Package Investment Loan, principal & interest, LVR >0 - <=60% & a minimum loan amount of $50,000. Conditions apply. | Investment, P&I | - | - | 6.49% | 6.84% | - |
| VariableTotal Home Loan Package Investment Loan, principal & interest, LVR >60 - <=80% & a minimum of $50,000 new money. Conditions apply. | Investment, P&I | - | - | 6.59% | 6.94% | - |
| VariableTotal Home Loan Package Building Investment Loan, LVR >0 - <=80% & a minimum loan amount of $50,000. Conditions apply. | Investment, P&I | - | - | 6.99% | 7.40% | - |
| VariableTotal Home Loan Package Investment Loan, Principal & interest, LVR >80 - <=90%. & a minimum of $50,000 new money. Conditions apply. | Investment, P&I | - | - | 6.99% | 7.33% | - |
| VariableTotal Home Loan Package Building Investment Loan, LVR >80 - <=90% & a minimum loan amount of $50,000. Conditions apply. | Investment, P&I | - | - | 7.94% | 8.34% | - |
| VariableTotal Home Loan Package Investment Loan, principal & interest, LVR >0 - <=90% & a minimum loan amount of $50,000. Reference Rate. Conditions apply. | Investment, P&I | - | - | 8.25% | 8.58% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 7 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed | 6.99% | 7.09% | up 0.10 |
| 7 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed | 7.19% | 7.34% | up 0.15 |
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
24 fees published, grouped by when they're charged.
- When you take it outUp to $89016 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 out16
- 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 - Total Home Loan Package
$345 - Mortgage Loan Establishment Fee
This fee is payable on establishment of the loan. No Mortgage Establishment Fee - 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) - 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) - Total Home Loan Package
$150 - Progress Payment Fee
This fee applies to loans for construction purposes and is payable per progress payment we process.
$20 - Reg of Discharge fee - WA$225.10
- Reg of Mortgage fee - NSW$182.73
- Reg of Mortgage fee - WA$225.10
- Reg of Production fee - NSW$56.21
- 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
While you hold it1
- Total Home Loan Package Fee
This fee is payable by home loan borrowers who have a Total Home Loan Package. The fee is charged annually.
$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 happen5
- 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 - Total Home Loan Package
$150
Features
- Pre-Approval: 120 day pre-approval so you can search with confidence.
- 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 90%
- Membership: You must be or become a Beyond Bank Australia member.
- Lending criteria applies.
- Investment loans available for Parent Equity, Land Rent Scheme loans (ACT only) or Construction loans. Conditions apply.
- Eligibility: available to new loan applications and to existing borrowers who increase their loan amount by a minimum of $50,000. Conditions apply.
Compare it with others
Put this product through a calculator
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.