Total Home Loan Package
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.
- From (owner occupied)
- 6.14%
- 6.49% comparison
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. | 6.14% | 6.49% | — |
| Variable Total Home Loan Package owner occupied, principal & interest, LVR >60 - <80% & a minimum loan amount of $50,000. Conditions apply. | 6.24% | 6.59% | — |
| 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% |
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.
| 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.
| Upfront | $345.00 |
| Reg of Mortgage fee - SA |
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.
Eligibility
- Employment status — Lending criteria, requirements and terms and conditions apply
- Minimum age — 18 yearsAvailable 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 recipientsLending criteria, requirements and terms and conditions apply
- Residency status — Australian CitizenMust 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 — $2,000,000.00The 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
Published by Beyond Bank Australia under the Consumer Data Right · Last updated 16 July 2026 · Product ID 35 · View on CDR.gov.au