Invest Total Home Loan Package
Offering everything you need to purchase an investment property. Enjoy the flexibility of splitting your loan whether it be fixed or variable rate, choice of repayment options, redraw advanced funds or obtain pre-approval.
- From (investment)
- 6.24%
- 6.59% comparison
Interest Rates
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Total Home Loan Package Investment Loan, principal & interest, LVR >0 - <=60% & a minimum loan amount of $50,000. Conditions apply. | 6.24% | 6.59% | — |
| Variable Total Home Loan Package Investment Loan, Principal & interest, LVR >60 - <=80% & a minimum of $50,000 new money. Conditions apply. | 6.34% | 6.69% | — |
| Fixed · 1 year Special Offer. Total Home Loan Package Investment Loan, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | 6.49% | 7.06% | — |
| Fixed · 2 years Special Offer. Total Home Loan Package Investment Loan, principal & interest, LVR >0 - <=80% & a minimum of $50,000 new money. Conditions apply. | 6.59% | 7.05% | — |
| Variable Total Home Loan Package Investment Loan, Principal & interest, LVR >80 - <=90%. & a minimum of $50,000 new money. Conditions apply. | 6.74% |
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.
|
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 100% Mortgage Offset Accounts can be linked to the Variable rate. 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.
- Split Loan: A split loan gives you the stability of a fixed interest rate plus the flexibility of a variable interest rate.
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.
- Investment loans available for Parent Equity, Land Rent Scheme loans (ACT only) or Construction loans. Conditions apply.
- Eligibility: available to new loan applications and to existing borrowers who increase their loan amount by a minimum of $50,000. 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 57 · View on CDR.gov.au · View Source Data (JSON)