---
title: "Total Home Loan Package — Beyond Bank Australia"
description: "Home Loans from Beyond Bank Australia. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/beyond-bank-australia/products/35
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T12:00:30.8111142Z
---

# Total Home Loan Package — Beyond Bank Australia

> Home Loans from Beyond Bank Australia. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

With our Total Home Loan Package, you could pay less fees and lower interest. You can also switch from variable to fixed at any time, and even split your loan between both different rate types at no cost.

## At a glance

- **From (owner occupied):** 6.09% (6.44% comparison)

## Apply

Applications are handled by the provider: [Apply at Beyond Bank Australia](https://www.beyondbank.com.au/home-loans/total-home-loan-package)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Total Home Loan Package owner occupied, principal & interest, LVR  >0 - <60% & a minimum loan amount of $50,000. Conditions apply.) | 6.09% | 6.44% | — |
| Variable (Total Home Loan Package owner occupied, principal & interest, LVR >60 - <80% & a minimum loan amount of $50,000. Conditions apply.) | 6.14% | 6.49% | — |
| Fixed · 1 year (Special Offer. Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply.) | 6.29% | 6.95% | — |
| Fixed · 2 years (Special Offer. Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money.  Conditions apply.) | 6.39% | 6.93% | — |
| Variable (Total Home Loan Package owner occupied, principal & interest, LVR >80 - 90% & a minimum loan amount of $50,000.  Conditions apply.) | 6.49% | 6.84% | — |
| Fixed · 1 year (Total Home Loan Package owner occupied, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000.  Conditions apply.) | 6.59% | 6.98% | — |
| Fixed · 3 years (Special Offer. Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money.  Conditions apply.) | 6.59% | 6.97% | — |
| Fixed · 2 years (Total Home Loan Package owner occupied, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000.  Conditions apply.) | 6.69% | 6.99% | — |
| Fixed · 4 years (Special Offer. Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply.) | 6.69% | 7% | — |
| Fixed · 5 years (Special Offer. Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply.) | 6.69% | 7% | — |
| Fixed · 3 years (Total Home Loan Package owner occupied, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000.  Conditions apply.) | 6.89% | 7.05% | — |
| Fixed · 4 years (Total Home Loan Package owner occupied, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000.  Conditions apply.) | 6.99% | 7.11% | — |
| Fixed · 5 years (Total Home Loan Package owner occupied, principal & interest, LVR >80 - <=90% & a minimum loan amount of $50,000.  Conditions apply.) | 6.99% | 7.13% | — |
| Variable (Total Home Loan Package owner occupied, principal & interest, LVR >0 - <=90% & a minimum loan amount of $50,000. Reference Rate. Conditions apply.) | 7.8% | 8.13% | — |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Total Home Loan Package Building Loan, owner occupied, interest only, LVR >0 - <=80%, a minimum loan amount of $50,000. Conditions apply.) | 6.44% | 6.85% | — |
| Variable (Total Home Loan Package Building Loan, owner occupied, interest only, LVR >80 - 90%, a minimum loan amount of $50,000. Conditions apply.) | 6.64% | 7.05% | — |
| Variable (Total Home Loan Package Bridging Home Loan, interest only. Conditions apply.) | 7.69% | 8.09% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Total Home Loan Package Fee — Charged yearly · This fee is payable by home loan borrowers who have a Total Home Loan Package. The fee is charged annually. | Ongoing | $395.00 |
| Building / Bridging Establishment Fee — Payable on the establishment of a building or bridging loan | Upfront | $890.00 |
| Mortgage Loan Establishment Fee — This fee is payable on establishment of the loan. · Discount −$445.00 — No Mortgage Loan Establishment Fee - Total Home Loan Package (eligibility: Other: This fee is waived on Total Home Loan Package loans.) | Upfront | $445.00 |
| Mortgage Discharge, Settlement or Partial Discharge Fee — Payable whenever a mortgage is discharged or partially discharged | Event | $350.00 |
| 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. · Discount −$345.00 — No Loan Variation Documentation fee - Total Home Loan Package (eligibility: Other: This fee is waived on Total Home Loan Package loans.) | Upfront | $345.00 |
| Reg of Mortgage fee - SA | Upfront | $204.00 |
| Reg of Discharge fee - SA | Event | $204.00 |
| Redraw (staff-assisted) fee — This fee is payable for each staff-assisted redraw. | Transaction | $35.00 |
| Redraw (online) fee — Online redraw via Internet or Mobile Banking is free. | Transaction | $0.00 |
| Default Notice Fee — This fee is payable whenever we send you a default notice because you have defaulted under the contract or related mortgage. | Event | $20.00 |
| Reg of Transfer fee - ACT | Upfront | $496.00 |
| 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 intended as guidelines; your actual fees may vary based on your personal circumstances. | Upfront | 0.15% of balance |
| 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. · Discount −$150.00 — No Rate Variation fee - Total Home Loan Package (eligibility: Other: This fee is waived on Total Home Loan Package loans.) | Event | $150.00 |
| Mortgage Loan Settlement Fee (a) — This fee is payable for a new loan settled. · Discount −$200.00 — No Mortgage Loan Settlement Fee (a) - Total Home Loan Package (eligibility: Other: This fee is waived on Total Home Loan Package loans.) | Upfront | $200.00 |
| Mortgage Loan Settlement Fee (b) — This fee is payable for each loan variation or top up settled. · Discount −$150.00 — No Mortgage Loan Settlement Fee (b) - Total Home Loan Package (eligibility: Other: This fee is waived on Total Home Loan Package loans.) | Upfront | $150.00 |
| Reg of Mortgage fee - NSW | Upfront | $182.73 |
| Reg of Transfer fee - NSW | Upfront | $182.73 |
| Progress Payment Fee — This fee applies to loans for construction purposes and are payable per progress payment we process. | Upfront | $20.00 |
| 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. | Upfront | $150.00 |
| Additional Security Fee — This fee is payable when we prepare any security in addition to the mortgage over the primary mortgaged property. | Upfront | $150.00 |
| Search Fee — This fee is payable for each search we conduct in relation to a loan or security. | Upfront | $35.00 |
| Default fee on Home and Investment Loan - on the 8th day — This fee is payable on the 8th day you are in default. | Event | $20.00 |
| 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. | Event | $25.00 |

## Features

- **Discounts on other products** — Total Home Loan Package Benefits (The Total Home Loan Package offers a waived Annual Fee on the Low Rate Credit Card and no monthly fee on eligible car and personal loans settled from 13 January 2025. Conditions apply.)
- **Digital banking** (Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.)
- **Extra repayments** (Additional Repayments: make unlimited additional repayments to your loan when on a variable interest rate; or make up to $25,000 p.a. in additional repayments to your loan when in a fixed rate.)
- **Offset account** (Offset optional:  Multiple Offset Accounts can be linked to a Variable Loan.  The balance in this account reduces the interest you pay on your mortgage.)
- **Pre-Approval: 120 day pre-approval so you can search with confidence.**
- **Available as a Building Loan: Building Loan can be customised to suit your needs and comes with structured progress payments which ensure you only pay interest on the funds you need.  Terms and conditions and other eligibility requirements apply.**
- **Available for Parent Equity: With our Parent Equity option, a parent can guarantee part of your loan to alleviate the need for a deposit from you, usually around 20% of your total loan amount.  Terms and conditions and other eligibility requirements apply**
- **Split Loan: A split loan gives you the stability of a fixed interest rate plus the flexibility of a variable interest rate.**
- **Land Rent Scheme Loan (ACT only): The ACT Government's Land Rent Scheme is a more affordable way to own your own home. That's because you're buying or building your home on land that's rented from the government, so you only need a loan just for the building. This makes it way cheaper and faster to own your own home. But it's only available in the ACT and eligibility criteria and government approval are required.**
- **Available as a Bridging Loan: This type of loan allows you to purchase your new property without selling your existing property first. Usually a short term loan with interest only repayments.  Terms and conditions and other eligibility requirements apply.**
- **Redraw facility** (Redraw payments made in advance at any time through Internet and Mobile Banking.  Minimum redraw amount is $500.)

## Eligibility

- **Employment status** — Lending criteria, requirements and terms and conditions apply
- **Minimum age** — 18 years (Available for customers aged 18 years and over)
- **Membership:  You must be or become a Beyond Bank Australia member.**
- **Lending criteria applies. Terms, conditions, fees and charges apply.**
- **Available for Parent Equity, Bridging, Land Rent Scheme loans (ACT only) or Construction loans.  Conditions apply.**
- **Pension recipients** (Lending criteria, requirements and terms and conditions apply)
- **Residency status** — Australian Citizen (Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.)

## Constraints

- **Maximum limit** — $2,000,000.00 (The maximum loan amount for each loan under the Total Home Loan Package is $2,000,000)
- **Maximum LVR** — 90%
- **Minimum limit** — $50,000.00
- **Minimum LVR** — 0%

## More information from Beyond Bank Australia

- [Overview](https://www.beyondbank.com.au/home-loans/total-home-loan-package)
- [Terms & conditions](https://www.beyondbank.com.au/home-loans/total-home-loan-package)
- [Eligibility](https://www.beyondbank.com.au/home-loans/total-home-loan-package)
- [Fees & pricing](https://www.beyondbank.com.au/home-loans/total-home-loan-package)

## Data provenance

- Published by Beyond Bank Australia under the Consumer Data Right
- Product ID: `35`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/beyond-bank-australia/35
- Provider page: https://www.cdrcompare.au/brands/beyond-bank-australia
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000054

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/beyond-bank-australia/products/35) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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