Standard 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.
- From (owner occupied)
- 6.64%
- 8.52% comparison
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% |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 | 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 |
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.
- Overdraft available
- Optional - Pre-approved line of credit or 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 yearsAvailable 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 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 — $2,000,000.00
- Maximum LVR — 90%
- Minimum limit — $10,000.00
- Minimum LVR — 0%
More Information
Published by Beyond Bank Australia under the Consumer Data Right · Last updated 16 July 2026 · Product ID 38 · View on CDR.gov.au · View Source Data (JSON)