Beyond Bank AustraliaTotal Home Loan Package Building Loan 3 Year Fixed $50k+ <=90% LVR Investment P&I
3y FixedRedraw
Interest
7.19%p.a.
Comparison*
7.47%p.a.
Est. repayment
$3,391
LVR ≤90%
Beyond Bank Australia Home Loan Rates
Tracked products
141
Variable product example
6.39%
A verified Beyond Bank Australia product example is Basic Variable Home Loan ($150k+ >60% - 80% LVR) Owner Occupied: 6.39% p.a. (6.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed product example
6.69%
A verified Beyond Bank Australia product example is Total Home Loan Package 3 Year Fixed $50k+ <=80% LVR Owner Occupied P&I: 6.69% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Variable example comparison
6.42%
A verified Beyond Bank Australia product example is Basic Variable Home Loan ($150k+ >60% - 80% LVR) Owner Occupied: 6.39% p.a. (6.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
1 November 2026
Beyond Bank Australia is one of the Australian home-loan lenders we track daily. We currently surface 141 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?
Ratesniffers compares Beyond Bank Australia home loan products by comparison rate. A verified Beyond Bank Australia product example is Basic Variable Home Loan ($150k+ >60% - 80% LVR) Owner Occupied: 6.39% p.a. (6.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Beyond Bank Australia product example is Total Home Loan Package 3 Year Fixed $50k+ <=80% LVR Owner Occupied P&I: 6.69% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. 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?
A verified Beyond Bank Australia product example is Basic Variable Home Loan ($150k+ >60% - 80% LVR) Owner Occupied: 6.39% p.a. (6.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Beyond Bank Australia product example is Total Home Loan Package 3 Year Fixed $50k+ <=80% LVR Owner Occupied P&I: 6.69% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does Beyond Bank Australia offer?
Ratesniffers currently tracks 141 Beyond Bank Australia home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 10 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 runs branches in the ACT alongside South Australia, New South Wales, Western Australia and Victoria. Buying an investment property there? See the ACT investor home loan rates hub for the wider panel before comparing its pricing above.
Beyond Bank Australia home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 3-year Investor P&I | 7.19% p.a. | 7.47% p.a. | 90% |
| Fixed 4-year Investor P&I | 7.44% p.a. | 7.52% p.a. | n/a |
| Fixed 4-year Investor P&I | 7.44% p.a. | 7.52% p.a. | n/a |
| Fixed 4-year Investor P&I | 7.44% p.a. | 7.52% p.a. | 90% |
| Fixed 5-year Investor P&I | 7.44% p.a. | 7.55% p.a. | n/a |
| Fixed 5-year Investor P&I | 7.44% p.a. | 7.55% p.a. | n/a |
| Fixed 5-year Investor P&I | 7.44% p.a. | 7.55% p.a. | 90% |
| Fixed 4-year Investor P&I | 7.44% p.a. | 7.58% p.a. | 90% |
| Variable Investor interest-only | 7.94% p.a. | n/a | 90% |
| Variable Investor P&I | 7.94% p.a. | 8.36% p.a. | 90% |
10 of 141 tracked Beyond Bank Australia home loan products
Interest
7.44%p.a.
Comparison*
7.52%p.a.
Est. repayment
$3,476
LVR not stated
Interest
7.44%p.a.
Comparison*
7.52%p.a.
Est. repayment
$3,476
LVR not stated
Beyond Bank AustraliaTotal Home Loan Package 4 Year Fixed $50k+ <=90% LVR Investment P&I
4y FixedRedraw
Interest
7.44%p.a.
Comparison*
7.52%p.a.
Est. repayment
$3,476
LVR ≤90%
Interest
7.44%p.a.
Comparison*
7.55%p.a.
Est. repayment
$3,476
LVR not stated
Interest
7.44%p.a.
Comparison*
7.55%p.a.
Est. repayment
$3,476
LVR not stated
Beyond Bank AustraliaTotal Home Loan Package 5 Year Fixed $50k+ <=90% LVR Investment P&I
5y FixedRedraw
Interest
7.44%p.a.
Comparison*
7.55%p.a.
Est. repayment
$3,476
LVR ≤90%
Beyond Bank AustraliaTotal Home Loan Package Building Loan 4 Year Fixed $50k+ <=90% LVR Investment P&I
4y FixedRedraw
Interest
7.44%p.a.
Comparison*
7.58%p.a.
Est. repayment
$3,476
LVR ≤90%
Beyond Bank AustraliaTotal Home Loan Package Building Loan ($50k+ 80% - 90% LVR) Investment IO
VariableOffsetRedraw
Interest
7.94%p.a.
Comparison*
Not available
Est. interest only / month
$3,308
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% - 90% LVR) Investment P&I
VariableOffsetRedraw
Interest
7.94%p.a.
Comparison*
8.36%p.a.
Est. repayment
$3,648
LVR 80 to 90%
*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.
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 8 Oct 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?
Ratesniffers compares Beyond Bank Australia home loan products by comparison rate. A verified Beyond Bank Australia product example is Basic Variable Home Loan ($150k+ >60% - 80% LVR) Owner Occupied: 6.39% p.a. (6.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Beyond Bank Australia product example is Total Home Loan Package 3 Year Fixed $50k+ <=80% LVR Owner Occupied P&I: 6.69% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare Beyond Bank Australia at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Beyond Bank Australia home loan rate?
A verified Beyond Bank Australia product example is Basic Variable Home Loan ($150k+ >60% - 80% LVR) Owner Occupied: 6.39% p.a. (6.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Beyond Bank Australia product example is Total Home Loan Package 3 Year Fixed $50k+ <=80% LVR Owner Occupied P&I: 6.69% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 Beyond Bank Australia home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,749 a month before fees. The selected source example is Basic Variable Home Loan ($150k+ >60% - 80% LVR) Owner Occupied: 6.39% p.a. (6.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. 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. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 Beyond Bank Australia home loan?
There is no single salary requirement for a Beyond Bank Australia home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Beyond Bank Australia's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Beyond Bank Australia's home loan rate compare to the market?
A verified Beyond Bank Australia product example is Basic Variable Home Loan ($150k+ >60% - 80% LVR) Owner Occupied: 6.39% p.a. (6.42% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. 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.
How many home loan products does Beyond Bank Australia offer?
Ratesniffers currently tracks 141 Beyond Bank Australia home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 10 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?
Compare Beyond Bank Australia's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
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 1 November 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.