Save on interest.
A low rate isn’t the only thing to look for. When you choose our Variable Total Home Loan Package, you get the benefit of a 100% offset account¹ – something that could save you thousands in interest over the life of your loan.
What makes it great.
Rates starting from
For Variable Total Home Loan Package ≤60% LVR
5.64
6.00
How does an offset work?
Offset accounts work like typical transaction or savings accounts. You can move money around, pay for items or services via a debit card, and make deposits.
The real benefit comes when the monthly interest on your loan is calculated^. Instead of charging you interest on the full loan amount you owe, we’ll first subtract the balance in your offset account.
Put simply: the more you have in your offset account, the more you save on interest.
For example, let’s say that you have a home loan of $300,000. If you have $20,000 deposited in your offset account, the bank will only charge you interest on a loan balance of $280,000.
Extra options.
Available with the Home Guarantee Scheme
This loan is eligible for Housing Australia’s Home Guarantee Scheme.
Am I eligible?
Make it a construction loan
Renovating or building? Create a payment schedule so your builder has clarity on when the money will arrive.
Learn about this option
Investing in property?
We have a range of loans specifically designed for investors.
See investment loansOther perks of this loan.
- Get pre-approved for up to four months so you can search for your home or property with confidence³
- Make unlimited additional repayments to your loan when on a variable interest rate. Or, make up to $25,000 p.a. when on a fixed rate⁴
- Redraw option so can withdraw any extra repayments you have made⁵
- Annual fee waived on the Low Rate Visa Credit card⁶
- Also available for parent equity and bridging loans (conditions apply)
Real people, real advice.
Get personalised support from an experienced Lending Specialist at a time and place that suits you, including evenings and weekends.
How to apply for this loan.
-
Complete application
It's quick and easy. You'll need details on your income, assets, and expenses handy. -
We'll be in touch
After assessing your application, we'll give you a call to chat through your options or get more details. -
Get an answer
If approved, you can easily review and sign your documents online.
Interest rates.
Understand how to use the comparison rate and calculate your loan to value ratio (LVR). Lenders' Mortgage Insurance (LMI) may also apply.
Variable Total Home Loan Package
Home loans
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤60% LVR | 5.64% p.a. | 6.00% p.a. |
| >60 - 80% LVR | 5.79% p.a. | 6.15% p.a. |
| >80 - 90% LVR | 5.99% p.a. | 6.35% p.a. |
Fees and Charges.
| Fees and Charges that apply | Amount |
| Annual Package Fee | $395 |
| Discharge Fee | $350 |
View our Fees and Charges Booklet for the full details. Other up-front fees including government charges may apply based on the loan and application type and can be advised on application.
Ready to make a move?
Buying your first home?
Now that's exciting! If you need a hand learning the lingo or understanding the home buying process, check out the guides, tools, FAQs, and calculators available on our first home buyer hub.
FAQs.
Your Lending Specialist will provide their direct contact details as the first point of contact, and loan status can be viewed by existing customers within internet banking under ‘Apply’ and then ‘Loan Status’ however, you can always contact the branch or our Customer Relationship Centre staff to direct you accordingly.
Our Customer Relationship Centre operating hours are Monday to Friday 8.00am -8.00pm ACST and Saturday 9.00am-3.00pm ACST.
Useful links
Although many aspects of the application process are standard, in order to understand how much you can borrow we need to understand your individual circumstances.
You can:
- Contact our Customer Relationship Centre Monday to Friday 8.00am -8.00pm ACST and Saturdays 9.00am-3.00pm ACST
- Contact us via Live Chat for general information Monday to Friday 9.00am -6.00pm ACST and Saturdays 9.00am -3.00pm ACST
- Attend a branch
- Meet with an experienced Lending Specialist.
Useful links
To pre-qualify for a home loan, please have the following information handy:
- Details of the property you are looking to buy, build or refinance. This includes the:
- Purchase price
- Build cost
- Value of the property
- Your contribution (to cover deposit and buying costs).
- Details of your:
- Income
- Monthly living expenses
- Property assets
- Existing loans
We're an award-winning lender.
Recognition we've received for doing right by our customers.
Forbes World's Best Banks for 2024
Canstar's Customer Owner Bank of the Year, Digital Banking 2015 - 2024
Canstar's Customer Owner Bank of the Year, Most Satisfied Customers 2023
Help is here.
Please read this important information.
|
Interest rates apply to new loan applications received from 3 June 2025 and are subject to change without notice. Borrowers who acquired or applied for these products before this date may have a different interest rate. |
|
| * |
Comparison rates are based on a $150,000 loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. |
| ^ |
The benefit is calculated daily based on the account's balance and applied to the interest amount charged at the end of the month. |
| 1 |
100% Offset is only available on Variable Rate Home Loans. |
| 2 |
There is no establishment fee ($445) on this interest rate. Valuation fees and other fees (such as government charges) may apply. |
|
The Total Home Loan Package has an Annual Package Fee of $395. |
|
| 3 |
Conditional loan pre-approval is available for a period of 120 days. |
| 4 |
Unlimited additional repayments available on Variable Rate Loans. Repay an additional $25,000 per year on any of the Fixed Rate term without fee or penalty. Additional repayments over $25,000 per year to a Fixed Rate term will result in a break cost being payable. |
| 5 |
Minimum redraw amount is $500. Free redraw in-advance amounts at any time through Internet Banking and Mobile Banking. Fees apply for staff-assisted redraw. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount. |
|
Please note that transfers made on Internet Banking and Mobile Banking can take up to 24 hours to process. For immediate transfers please call us on 13 25 85 or visit a branch. |
|
| 6 |
Total Home Loan borrowers are eligible to have to the Low Rate Credit Card annual fee waived on one card per package. |
|
All applications for credit are subject to Beyond Bank’s credit assessment criteria. Terms and conditions are available on request. Fees and charges apply. This information is available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. |
|
|
All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2025. |