Interest
6.39%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,124
LVR not stated
Beyond Bank Australia · Offset · Updated November 2026
Beyond Bank Australia Offset Account Home Loans, November 2026
Beyond Bank Australia lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.34% p.a. (comparison rate 6.70% p.a.), on Total Home Loan Package Variable ($50k+ <=60% LVR) Owner Occupied. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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Beyond Bank Australia offset home loan rates, November 2026
Interest
6.39%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.39%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,124
LVR not stated
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ <=80% LVR) Investment IO
VariableOffsetRedraw
Interest
6.59%p.a.
Comparison*
Not available
Est. interest only / month
$2,746
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ <=80% LVR) Investment IO
VariableOffsetRedraw
Interest
6.59%p.a.
Comparison*
Not available
Est. interest only / month
$2,746
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ <=60% LVR) Owner Occupied
VariableOffsetRedraw
Interest
6.34%p.a.
Comparison*
6.70%p.a.
Est. repayment
$3,108
LVR ≤60%
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ <=60% LVR) Owner Occupied
VariableOffsetRedraw
Interest
6.34%p.a.
Comparison*
6.70%p.a.
Est. repayment
$3,108
LVR ≤60%
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ >60% - 80% LVR) Owner Occupied
VariableOffsetRedraw
Interest
6.39%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR 60 to 80%
Interest
6.39%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR ≤98%
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ >60% - 80% LVR) Owner Occupied
VariableOffsetRedraw
Interest
6.39%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR 60 to 80%
Interest
6.44%p.a.
Comparison*
6.85%p.a.
Est. interest only / month
$2,683
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.44%p.a.
Comparison*
6.85%p.a.
Est. interest only / month
$2,683
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ <=60% LVR) Investment P&I
VariableOffsetRedraw
Interest
6.49%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,157
LVR ≤60%
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ <=60% LVR) Investment P&I
VariableOffsetRedraw
Interest
6.49%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,157
LVR ≤60%
Interest
6.59%p.a.
Comparison*
6.92%p.a.
Est. interest only / month
$2,746
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.59%p.a.
Comparison*
6.92%p.a.
Est. interest only / month
$2,746
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ >60% - 80% LVR) Investment P&I
VariableOffsetRedraw
Interest
6.59%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,190
LVR 60 to 80%
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ >60% - 80% LVR) Investment P&I
VariableOffsetRedraw
Interest
6.59%p.a.
Comparison*
6.95%p.a.
Est. repayment
$3,190
LVR 60 to 80%
Beyond Bank AustraliaTotal Home Loan Package Building Loan ($50k+ <=80% LVR) Investment IO
VariableOffsetRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. interest only / month
$2,913
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ >80% - 90% LVR) Investment IO
VariableOffsetRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. interest only / month
$2,913
LVR 80 to 90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Beyond Bank AustraliaTotal Home Loan Package Building Loan ($50k+ <=80% LVR) Investment IO
VariableOffsetRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. interest only / month
$2,913
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Beyond Bank AustraliaTotal Home Loan Package Variable ($50k+ >80% - 90% LVR) Investment IO
VariableOffsetRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. interest only / month
$2,913
LVR 80 to 90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.99%p.a.
Comparison*
7.02%p.a.
Est. repayment
$3,323
LVR not stated
Interest
6.99%p.a.
Comparison*
7.02%p.a.
Est. repayment
$3,323
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 · Offset
Beyond Bank Australia offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.
See also Beyond Bank Australia's full product range, repayment calculator, and offset savings calculator.