Beyond Bank AustraliaStandard Investment Home Loans
A choice of competitive loans ideal for purchasing investment properties. 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 (investor P&I)
- 9.24%
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
Rates
Every rate Beyond Bank Australia publishes for this home loan, 9 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- Variabletypical 6.59%9.24%
- 1 yr fixed7.44%
- 2 yrs fixed7.14%
- 3 yrs fixed7.24%
- 4 yrs fixed7.49%
- 5 yrs fixed7.49%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedStandard Fixed Investment Loan, interest only, LVR >0 - <=90%. Conditions apply. | Investment, Interest only | 3 yrs fixed | - | 7.44% | 8.94% | - |
| FixedStandard Fixed Investment Loan, interest only, LVR >0 - <=90%. Conditions apply. | Investment, Interest only | 5 yrs fixed | - | 7.69% | 8.72% | - |
| FixedStandard Fixed Investment Loan, principal & interest, LVR >0 - <=90%. Conditions apply. | Investment, P&I | 1 yr fixed | - | 7.44% | 9.09% | - |
| FixedStandard Fixed Investment Loan, principal & interest, LVR >0 - <=90%. Conditions apply. | Investment, P&I | 2 yrs fixed | - | 7.14% | 8.84% | - |
| FixedStandard Fixed Investment Loan, principal & interest, LVR >0 - <=90%. Conditions apply. | Investment, P&I | 3 yrs fixed | - | 7.24% | 8.67% | - |
| FixedStandard Fixed Investment Loan, principal & interest, LVR >0 - <=90%. Conditions apply. | Investment, P&I | 4 yrs fixed | - | 7.49% | 8.60% | - |
| FixedStandard Fixed Investment Loan, principal & interest, LVR >0 -<=90%. Conditions apply. | Investment, P&I | 5 yrs fixed | - | 7.49% | 8.47% | - |
| VariableStandard Variable Investment Loan, interest only, LVR >0 - <=90%. Conditions apply. | Investment, Interest only | - | - | 9.54% | 9.59% | - |
| VariableStandard Variable Investment Loan, principal & interest, LVR >0 - <=90%. Conditions apply. | Investment, P&I | - | - | 9.24% | 9.29% | - |
Rate changes
9 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 13 Oct 2026 | Variable, Investment, Interest only | 9.29% | 9.54% | up 0.25 |
| 13 Oct 2026 | Variable, Investment, P&I | 8.99% | 9.24% | up 0.25 |
| 7 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed | 7.34% | 7.44% | up 0.10 |
| 7 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed | 7.54% | 7.69% | up 0.15 |
| 7 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed | 6.94% | 7.14% | up 0.20 |
| 7 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed | 7.14% | 7.24% | up 0.10 |
| 7 Oct 2026 | Fixed, Investment, P&I, 4 yrs fixed | 7.34% | 7.49% | up 0.15 |
| 7 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed | 7.34% | 7.49% | up 0.15 |
| 29 Sept 2026 | Fixed, Investment, P&I, 1 yr fixed | 6.84% | 7.44% | 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
20 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. No Loan Variation Documentation Fee - Life Members
$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 Discharge fee - WA$225.10
- Reg of Mortgage fee - WA$225.10
- Reg of Production fee - NSW$56.21
- Reg of Production fee - WA$112.55
- Reg of Transfer fee - ACT$496
- 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 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.
$150
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.
- Investment loans available for Parent Equity Loan, Bridging, Construction Loan or Land Rent Scheme (ACT only) loan. 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.