--- title: "Standard Home Loans — 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/38 source: "CDR Compare" language: en-AU last_updated: 2026-08-28T20:00:32.8935913Z --- # Standard Home Loans — 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** 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 - **From (owner occupied):** 6.64% (8.52% comparison) ## Apply Applications are handled by the provider: [Apply at Beyond Bank Australia](https://www.beyondbank.com.au/home-loans/standard-home-loans/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 1 year (Standard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply.) | 6.64% | 8.52% | — | | Fixed · 2 years (Standard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply.) | 6.74% | 8.33% | — | | Fixed · 3 years (Standard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply.) | 6.94% | 8.22% | — | | Fixed · 4 years (Standard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply.) | 7.04% | 8.11% | — | | Fixed · 5 years (Standard Fixed Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply.) | 7.04% | 7.99% | — | | Variable (Standard Variable Home Loan. Owner occupied, principal & interest, LVR >0 - <=90%. Conditions apply.) | 8.7% | 8.75% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Mortgage Loan Establishment Fee — This fee is payable on establishment of the loan. · Discount −$445.00 — No Mortgage Loan Establishment Fee - Life Members (eligibility: Other: This fee is waived on Life Membership 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. | 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 | | Reg of Mortgage fee - ACT | Upfront | $184.00 | | Reg of Discharge fee - ACT | Event | $184.00 | | 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. | Event | $150.00 | | Mortgage Loan Settlement Fee (a) — This fee is payable for a new loan settled. | Upfront | $200.00 | | Mortgage Loan Settlement Fee (b) — This fee is payable for each loan variation or top up settled. | 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.) - **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.** - **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.** - **Available for Investment, Parent Equity, Bridging, Construction or Land Rent Scheme (ACT only) loan. 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 - **Maximum LVR** — 90% - **Minimum limit** — $10,000.00 - **Minimum LVR** — 0% ## More information from Beyond Bank Australia - [Overview](https://www.beyondbank.com.au/home-loans/standard-home-loans/) - [Terms & conditions](https://www.beyondbank.com.au/home-loans/standard-home-loans/) - [Eligibility](https://www.beyondbank.com.au/home-loans/standard-home-loans/) - [Fees & pricing](https://www.beyondbank.com.au/home-loans/standard-home-loans/) ## Data provenance - Published by Beyond Bank Australia under the Consumer Data Right - Product ID: `38` - Last updated by the provider: 28 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/beyond-bank-australia/38 - 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/38) — product data published by Australian data holders under the Consumer Data Right. 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