---
title: "Home Buyers Scheme Home Loan — 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/36
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T20:00:32.8935913Z
---

# Home Buyers Scheme Home Loan — 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**

A Home Buyer Scheme Home Loan is an exclusive package for first home buyers. Benefit from a lower deposit required, a choice of fixed or variable rate, and the flexibility for your loan to grow with you.

## At a glance

- **From (owner occupied):** 6.14% (6.49% comparison)

## Apply

Applications are handled by the provider: [Apply at Beyond Bank Australia](https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Home Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposit Scheme. Conditions apply.) | 6.14% | 6.49% | — |
| Fixed · 1 year (Home Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposit Scheme . Conditions apply.) | 6.29% | 6.95% | — |
| Fixed · 2 years (Home Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposit Scheme. Conditions apply.) | 6.39% | 6.93% | — |
| Fixed · 3 years (Home Buyer Scheme Total Home Loan Package. Owner occupied, principal & interest, LVR >0 - <=95% & a minimum of $50,000 new money. Only available to participants in the Australian Government 5% Deposit Scheme. Conditions apply.) | 6.59% | 6.97% | — |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Home Buyer Scheme Total Home Loan Package Building Loan. Owner occupied, interest only, LVR >0 - <=95%, a minimum loan amount of $50,000 new money. Only available to participants in the Australian Government 5% Deposit Scheme. Conditions apply.) | 6.44% | 6.85% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Total Home Loan Package Fee — Charged yearly · This fee is charged annually for those who have a Total Home Loan Package. | 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 - Home Buyer Scheme Total Home Loan Package (eligibility: Other: This fee is waived on Home Buyer Scheme 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 - Home Buyer Scheme Total Home Loan Package (eligibility: Other: This fee is waived on Home Buyer Scheme 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 |
| 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 - Home Buyer Scheme Total Home Loan Package (eligibility: Other: This fee is waived on Home Buyer Scheme 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) - Home Buyer Scheme Total Home Loan Package (eligibility: Other: This fee is waived on Home Buyer Scheme 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) - Home Buyer SchemeTotal Home Loan Package (eligibility: Other: This fee is waived on Home Buyer Scheme Total Home Loan Package loans.) | Upfront | $150.00 |
| Reg of Mortgage fee - NSW | Upfront | $182.73 |
| Reg of Transfer fee - NSW | Upfront | $182.73 |
| 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

- **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 without penalty.)
- **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.)
- **LVR: Borrow up to 95% of the value of the property (inclusive of LMI). Exclusive to first home buyers participating in the Australian Government 5% Deposit Scheme only.**
- **Split Loan: A split loan gives you the stability of a fixed interest rate plus the flexibility of a variable interest rate.**
- **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)
- **Individuals only**
- **Membership:  You must be or become a Beyond Bank Australia member.**
- **Lending criteria applies. Terms, conditions, fees and charges apply.**
- **Eligibility: This package is exclusive to first home buyers participating in the Australian Government 5% Deposit   
Scheme only. Applicants may need to complete a statutory declaration of application or provide evidence of first home buyer status at our request.  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
- **Maximum LVR** — 95%
- **Minimum limit** — $50,000.00
- **Minimum LVR** — 0%

## More information from Beyond Bank Australia

- [Overview](https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/)
- [Terms & conditions](https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/)
- [Eligibility](https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/)
- [Fees & pricing](https://www.beyondbank.com.au/home-loans/guides/buying-your-first-home/first-home-buyers-package/)

## Data provenance

- Published by Beyond Bank Australia under the Consumer Data Right
- Product ID: `36`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/beyond-bank-australia/36
- 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/36) — 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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