Interest
6.24%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,075
LVR not stated
Beyond Bank Australia Home Loan Rates
Tracked products
43
Lowest variable
6.09%
Lowest fixed
6.29%
Lowest comparison
6.27%
Last updated
11 Sept 2026
Beyond Bank Australia is one of the Australian home-loan lenders we track daily. We currently surface 43 active products from Beyond Bank Australia, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are Beyond Bank Australia home loan rates?
Beyond Bank Australia home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.09% p.a. and the lowest fixed rate currently 6.29% p.a., checked daily (last verified 11 Sept 2026). Compare Beyond Bank Australia against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Beyond Bank Australia home loan rate?
The lowest Beyond Bank Australia variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 6.29% p.a. These figures come from the 39 Beyond Bank Australia products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Beyond Bank Australia offer?
Ratesniffers currently tracks 43 Beyond Bank Australia home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 39 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Beyond Bank Australia home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Investor P&I | 6.24% p.a. | 6.27% p.a. | n/a |
| Variable Investor P&I | 6.24% p.a. | 6.27% p.a. | n/a |
| Variable Investor P&I | 6.24% p.a. | 6.27% p.a. | n/a |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.45% p.a. | n/a |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.45% p.a. | n/a |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.45% p.a. | n/a |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.45% p.a. | n/a |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.45% p.a. | n/a |
| Variable Owner-occupier interest-only | 6.44% p.a. | 6.85% p.a. | n/a |
| Variable Owner-occupier interest-only | 6.44% p.a. | 6.85% p.a. | n/a |
| Fixed 2-year Owner-occupier P&I | 6.39% p.a. | 6.93% p.a. | n/a |
| Fixed 2-year Owner-occupier P&I | 6.39% p.a. | 6.93% p.a. | n/a |
39 of 43 tracked Beyond Bank Australia home loan products
Interest
6.24%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,075
LVR not stated
Interest
6.24%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,075
LVR not stated
Interest
6.09%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,027
LVR not stated
Interest
6.09%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,027
LVR not stated
Interest
6.09%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,027
LVR not stated
Interest
6.09%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,027
LVR not stated
Interest
6.09%p.a.
Comparison*
6.45%p.a.
Est. repayment
$3,027
LVR not stated
Interest
6.44%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.44%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.39%p.a.
Comparison*
6.93%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.39%p.a.
Comparison*
6.93%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.29%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,092
LVR not stated
Interest
6.29%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,092
LVR not stated
Interest
6.59%p.a.
Comparison*
6.97%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.59%p.a.
Comparison*
6.97%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.69%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,223
LVR not stated
Interest
6.69%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,223
LVR not stated
Interest
6.59%p.a.
Comparison*
7.05%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.49%p.a.
Comparison*
7.06%p.a.
Est. repayment
$3,157
LVR not stated
Interest
6.74%p.a.
Comparison*
7.09%p.a.
Est. repayment
$3,240
LVR not stated
Interest
6.79%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,256
LVR not stated
Interest
6.99%p.a.
Comparison*
7.15%p.a.
Est. repayment
$3,323
LVR not stated
Interest
6.99%p.a.
Comparison*
7.17%p.a.
Est. repayment
$3,323
LVR not stated
Interest
6.99%p.a.
Comparison*
7.19%p.a.
Est. repayment
$3,323
LVR not stated
Interest
7.19%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,391
LVR not stated
Interest
7.04%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,340
LVR not stated
Interest
7.04%p.a.
Comparison*
8.11%p.a.
Est. repayment
$3,340
LVR not stated
Interest
6.94%p.a.
Comparison*
8.22%p.a.
Est. repayment
$3,306
LVR not stated
Interest
7.34%p.a.
Comparison*
8.27%p.a.
Est. repayment
$3,441
LVR not stated
Interest
6.74%p.a.
Comparison*
8.33%p.a.
Est. repayment
$3,240
LVR not stated
Interest
7.34%p.a.
Comparison*
8.40%p.a.
Est. repayment
$3,441
LVR not stated
Interest
7.14%p.a.
Comparison*
8.47%p.a.
Est. repayment
$3,374
LVR not stated
Interest
6.64%p.a.
Comparison*
8.52%p.a.
Est. repayment
$3,207
LVR not stated
Interest
7.54%p.a.
Comparison*
8.52%p.a.
Est. repayment
$3,510
LVR not stated
Interest
6.94%p.a.
Comparison*
8.60%p.a.
Est. repayment
$3,306
LVR not stated
Interest
7.34%p.a.
Comparison*
8.74%p.a.
Est. repayment
$3,441
LVR not stated
Interest
6.84%p.a.
Comparison*
8.80%p.a.
Est. repayment
$3,273
LVR not stated
Interest
9.29%p.a.
Comparison*
9.34%p.a.
Est. repayment
$4,128
LVR not stated
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Beyond Bank Australia home loan repayment calculator
Pre-filled with Beyond Bank Australia's lowest advertised variable rate in the table above, 6.09% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Beyond Bank Australia's lowest variable today: 6.09%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,027
Fortnightly repayment
$1,397
Total interest
$589,628
30 years at 6.09% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
Who is Beyond Bank Australia?
Beyond Bank is one of Australia's largest customer-owned banks, built from a series of credit-union mergers dating back to 1958, and following its March 2026 merger with Family First Bank now serves more than 340,000 members with $11.05 billion in funds under management. In 2015 it became the first Australian bank certified as a B Corp.
As a mutual, its profits are returned to customers and communities rather than shareholders, and it runs branches across South Australia, the ACT, New South Wales, Western Australia and Victoria alongside national digital service.
Who suits a Beyond Bank Australia home loan?
Beyond Bank tends to suit borrowers who want a values-led, customer-owned lender with a genuine multi-state branch presence. Its home-loan pricing is competitive without always leading the market, so compare its comparison rate against the sharpest lenders in the table above.
Background facts checked 29 August 2026. Rates above refresh independently.
Beyond Bank Australia fees, offset and limits at a glance
- Application or establishment fee
- No Establishment fee for Total Home Loan Package products. Building Loans and Bridging Loans, $890.…
- Discharge fee
- $350
- Settlement fee
- $200
- Additional valuation fee
- $253.07
- Rate lock fee
- 0.15% of the loan amount payable at funding. Fixed Rate applicable on date of rate hold agreement will be…
- Loan portability
- Mortgage Loan Settlement fee of $150 + a Title Search Fee of $35. Valuation fees and Govt fees may also apply
- Offset account
- 100%. Offset not available during construction period of Building/Construction loans, on Fixed Rates, on the…
- Minimum offset balance
- $500
- Lenders mortgage insurer
- QBE
- Capitalising LMI
- The LMI premium can be capitalised provided the max LVR for the loan product is not exceeded
- Maximum total lending
- No max subject to approval by Lender
- Extra repayments on fixed
- Max $25k pa
- When the fixed rate is locked
- If no rate hold agreement is in place, the rate applicable on funding date will apply
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Beyond Bank Australia home loans: frequently asked questions
What are Beyond Bank Australia home loan rates?
Beyond Bank Australia home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.09% p.a., and the lowest fixed rate is 6.29% p.a., checked daily (last verified 11 Sept 2026). Compare Beyond Bank Australia against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Beyond Bank Australia balance, use /calculators/extra-repayment.
What is the lowest Beyond Bank Australia home loan rate?
Beyond Bank Australia's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 6.29% p.a., based on the 39 Beyond Bank Australia products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Beyond Bank Australia approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Beyond Bank Australia home loan?
At Beyond Bank Australia's lowest variable rate of 6.09% p.a., a $600,000 principal and interest loan over 30 years repays about $3,632 a month, and $500,000 about $3,027. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Beyond Bank Australia home loan?
There is no single salary. Like every Australian lender, Beyond Bank Australia must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.09% p.a. is assessed at about 9.09% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Beyond Bank Australia's home loan rate compare to the market?
Beyond Bank Australia's lowest variable home loan rate today is 6.09% p.a., which is 15 basis points below the market median of 6.24% p.a., which puts Beyond Bank Australia among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Beyond Bank Australia sits right now rather than a fixed snapshot.
How many home loan products does Beyond Bank Australia offer?
Ratesniffers currently tracks 43 Beyond Bank Australia home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 39 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Beyond Bank Australia competitive for refinancing?
It depends on your loan size and LVR. Beyond Bank Australia's lowest comparison rate is currently 6.27% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Beyond Bank Australia against the sharpest available rate usually pays off.
How often are Beyond Bank Australia's home loan rates updated?
Ratesniffers refreshes Beyond Bank Australia's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever Beyond Bank Australia reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.