Home loan rates › Beyond Bank Australia
Home Buyers Scheme Home Loan
Beyond Bank Australia
A Home Buyer Scheme Home Loan is an exclusive package for first home buyers. Benefit from a lower deposit required, a choice of fixed or variable rate, and the flexibility for your loan to grow with you.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.89% | 7.23% | Fixed · 1 year · owner occupied · principal and interest | Package rate: an annual package fee usually applies First home buyers | CDR | 1 Nov 2026 |
| 6.59% | 7.17% | Fixed · 2 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies First home buyers | CDR | 1 Nov 2026 |
| 6.69% | 7.17% | Fixed · 3 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies First home buyers | CDR | 1 Nov 2026 |
| 6.69% | 7.10% | Variable · owner occupied · interest only | Package rate: an annual package fee usually applies First home buyers | CDR | 1 Nov 2026 |
| 6.39% | 6.74% | Variable · owner occupied · principal and interest | Package rate: an annual package fee usually applies First home buyers | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/36- Content hash
sha256 3d1c76768f48164764a901e7168ff255e181076b8b070b8dddee02c5789f65eb- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_3d1c76768f481647_4e79630eShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/36- Content hash
sha256 3d1c76768f48164764a901e7168ff255e181076b8b070b8dddee02c5789f65eb- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Total Home Loan Package Fee | Periodic | $395.00 |
| Building / Bridging Establishment Fee | Upfront | $890.00 |
| Mortgage Loan Establishment Fee | Upfront | $445.00 |
| Mortgage Discharge, Settlement or Partial Discharge Fee | Event | $350.00 |
| Loan Variation Documentation fee | Upfront | $345.00 |
| Reg of Mortgage fee - SA | Upfront | $204.00 |
| Reg of Discharge fee - SA | Event | $204.00 |
| Redraw (staff-assisted) Fee | Transaction | $35.00 |
| Redraw (online) fee | Transaction | $0.00 |
| Default Notice Fee | Event | $20.00 |
| Hold Fixed Interest Rate | Upfront | 0.15% |
| Rate Variation Fee | Event | $150.00 |
| Mortgage Loan Settlement Fee (a) | Upfront | $200.00 |
| Mortgage Loan Settlement Fee (b) | Upfront | $150.00 |
| Reg of Mortgage fee - NSW | Upfront | $182.73 |
| Reg of Transfer fee - NSW | Upfront | $182.73 |
| Security Handling Fee | Upfront | $150.00 |
| Additional Security Fee | Upfront | $150.00 |
| Search Fee | Upfront | $35.00 |
| Default fee on Home and Investment Loan - on the 8th day | Event | $20.00 |
| Default fee on Home and Investment Loan - every 14th day thereafter | Event | $25.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| 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 without penalty. | |
| Offset | Offset optional: Multiple Offset Accounts can be linked to a Variable Loan. The balance in this account reduces the interest you pay on your mortgage. | |
| Other | LVR: Borrow up to 95% of the value of the property (inclusive of LMI). Exclusive to first home buyers participating in the Australian Government 5% Deposit Scheme only. | |
| Other | Split Loan: A split loan gives you the stability of a fixed interest rate plus the flexibility of a variable interest rate. | |
| Redraw | Redraw payments made in advance at any time through Internet and Mobile Banking. Minimum redraw amount is $500. | |
| Eligibility: employment status | Lending criteria, requirements and terms and conditions apply | |
| Eligibility: min age | 18 | Available for customers aged 18 years and over |
| Eligibility: natural person | ||
| Eligibility: other | Membership: You must be or become a Beyond Bank Australia member. | |
| Eligibility: other | Lending criteria applies. Terms, conditions, fees and charges apply. | |
| Eligibility: other | Eligibility: This package is exclusive to first home buyers participating in the Australian Government 5% Deposit Scheme only. Applicants may need to complete a statutory declaration of application or provide evidence of first home buyer status at our request. Conditions apply. | |
| Eligibility: residency status | Australian Citizen | Must 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. |
| Limit: max limit | 2000000.00 | |
| Limit: max lvr | 0.95 | |
| Limit: min limit | 50000.00 | |
| Limit: min lvr | 0.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 1 year · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.89% | 7.23% |
| Fixed · 2 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.59% | 7.17% |
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.69% | 7.17% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.39% | 6.74% |
| Variable · owner occupied · interest only | 1 Nov 2026 | Current | 6.69% | 7.10% |
*Comparison rates are calculated on a $150,000 secured 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. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:first-home-buyer | First home buyers | Filter; shown in the row |
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