Home loan rates › Beyond Bank Australia
Total Home Loan Package
Beyond Bank Australia
CDR officialNot ranked in rate tables
With our Total Home Loan Package, you could pay less fees and lower interest. You can also switch from variable to fixed at any time, and even split your loan between both different rate types at no cost.
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 Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 7.19% | 7.26% | Fixed · 1 year · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.59% | 7.17% | Fixed · 2 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.89% | 7.23% | Fixed · 2 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.69% | 7.17% | Fixed · 3 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.99% | 7.26% | Fixed · 3 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.84% | 7.21% | Fixed · 4 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 7.14% | 7.32% | Fixed · 4 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.84% | 7.21% | Fixed · 5 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 7.14% | 7.34% | Fixed · 5 years · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.69% | 7.10% | Variable · owner occupied · interest only | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.89% | 7.30% | Variable · owner occupied · interest only | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 7.94% | 8.34% | Variable · owner occupied · interest only | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.34% | 6.69% | Variable · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.39% | 6.74% | Variable · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 6.74% | 7.09% | Variable · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | CDR | 1 Nov 2026 |
| 8.05% | 8.38% | Variable · owner occupied · principal and interest | Package rate: an annual package fee usually applies Not compared in rate tables Pensioners | 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/35- Content hash
sha256 cae1190d888cbbd450fbfdc2e1ba3377cdb7cef80808cddc15cb157a947277d7- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_cae1190d888cbbd4_059c992cShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/35- Content hash
sha256 cae1190d888cbbd450fbfdc2e1ba3377cdb7cef80808cddc15cb157a947277d7- 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 |
| Reg of Transfer fee - ACT | Upfront | $496.00 |
| 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 |
| Progress Payment Fee | Upfront | $20.00 |
| 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 |
|---|---|---|
| Complementary product discounts | Total Home Loan Package Benefits | The Total Home Loan Package offers a waived Annual Fee on the Low Rate Credit Card and no monthly fee on eligible car and personal loans settled from 13 January 2025. Conditions apply. |
| 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. | |
| 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 | Pre-Approval: 120 day pre-approval so you can search with confidence. | |
| Other | Available as a Building Loan: Building Loan can be customised to suit your needs and comes with structured progress payments which ensure you only pay interest on the funds you need. Terms and conditions and other eligibility requirements apply. | |
| Other | Available for Parent Equity: With our Parent Equity option, a parent can guarantee part of your loan to alleviate the need for a deposit from you, usually around 20% of your total loan amount. Terms and conditions and other eligibility requirements apply | |
| Other | Split Loan: A split loan gives you the stability of a fixed interest rate plus the flexibility of a variable interest rate. | |
| Other | Land Rent Scheme Loan (ACT only): The ACT Government's Land Rent Scheme is a more affordable way to own your own home. That's because you're buying or building your home on land that's rented from the government, so you only need a loan just for the building. This makes it way cheaper and faster to own your own home. But it's only available in the ACT and eligibility criteria and government approval are required. | |
| Other | Available as a Bridging Loan: This type of loan allows you to purchase your new property without selling your existing property first. Usually a short term loan with interest only repayments. Terms and conditions and other eligibility requirements apply. | |
| 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: 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 | Available for Parent Equity, Bridging, Land Rent Scheme loans (ACT only) or Construction loans. Conditions apply. | |
| Eligibility: pension recipient | Lending criteria, requirements and terms and 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 | 0.90 | |
| Limit: min limit | 50000.00 | |
| Limit: min lvr | 0.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 4 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.84% | 7.21% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.34% | 6.69% |
| Fixed · 1 year · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.89% | 7.23% |
| Fixed · 5 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.84% | 7.21% |
| Fixed · 4 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 7.14% | 7.32% |
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.69% | 7.17% |
| Variable · owner occupied · interest only | 1 Nov 2026 | Current | 7.94% | 8.34% |
| Fixed · 2 years · 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 · 1 year · owner occupied · principal and interest | 1 Nov 2026 | Current | 7.19% | 7.26% |
| Fixed · 3 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.99% | 7.26% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 8.05% | 8.38% |
| Fixed · 5 years · owner occupied · principal and interest | 1 Nov 2026 | Current | 7.14% | 7.34% |
| Variable · owner occupied · interest only | 1 Nov 2026 | Current | 6.89% | 7.30% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.74% | 7.09% |
| 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:pensioner | Pensioners | Filter; shown in the row |
rate-selected-by-free-text | Reason this product is not ranked | |
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