Special Home Loan Special Home Loan $150K+ <80% (Owner Occupied)
3.79%p.a Standard Variable
About Beyond Bank
Repayments calculated to take into account ongoing monthly and anual fees.
- Monthly repayment*
- rate per annum
Loan to Value Ratio
Borrow up to the maxium of 80% of the value of the property.
Lenders Mortgage Insurance, or LMI, will be payable on most loans where the borrowings are greater than 80% of the value of the property.
However, you may be able to capitalise LMI into your loan, increasing the overall loan amount by about 2% (in order to cover the cost of the insurance). Contact a loan market broker to find out how LVR and LMI might impact the cost of your loan repayments.
- Capitalise LMI
For Owner Occupied and Vacant Land in NSW, NT, QLD, SA, WA, VIC, TAS, and ACT.
- 1 - 30 years
The level of financial documentaion and credit history required to apply for the loan.
- Full Doc
- Credit History
- Genuine Saving
- Not Required
Save on interest repayments by holding spare cash in an offset account.
- Offset account
Get quick access to cash by drawing on the loan to pay for renovations or other purchases.
- Redraw Facility
- Min Redraw
- Redraw fee
Given the wide range of loans on offer – with different interest rates, product features and fees – it pays to shop around to find the loan that fits your needs and circumstances. Some loans offer features that may be appropriate for your situation and result in savings over the life of the loan.
Some features you may wish to consider include:
- an offset account;
- ability to make extra repayments;
- a redraw facility; and
- linked credit card and savings accounts;
- ability to split your loan between fixed and variable interest rates
- Offset Account
- Redraw Available
- Internet Banking
- Telephone Banking
- Credit Card
- BPay Option
- Portability of Loan
- Professional Pack
- Check Account
- Direct Salary Credit
- Free Transactions
- Minimum Redraw
- Redraw Fee
You can make your repayments Fortnightly, Monthly, and Weekly.
- Interest Only Option
- Max Interest Only
- 0 years
Upfront fess associated with estabilishing the loan. Other loan set-up fees, such as valuation fees and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application.
Monthly and annual fees and charges during the loan period.
Fees associated with prematurely ending the loan.
- Early Repayment
- Switch To Fixed
Min loan amount $150k. Max LVR 80%. No loan establishment fee. For a limited time, the settlement fee is waived on Total Home Loan Package loans. This product is available to loans secured against a single residential property for owner-occupied purposes. Not available for Bridging, Building/Construction, ACT Land Rent, Parent Equity, Split Loans or where more than one property is being taken as security. 100% Mortgage Offset Account available and requires a minimum balance of $500. Free redraw through IB. Valuation fees are at cost and will vary based on the valuation type and property location. Available for new qualifying loans applied for from 13/06/2018. Borrowers who acquired this loan before this date may have different eligibility, interest rate or product attributes. This offer will continue to apply until you request us to vary your loan. Available on new loans with a minimum loan size of $150,000 .Cheque account available if attached to a savings account. Dependant on your Relationship Portfolio Level, you are allocated a transactional monthly fee allowance to offset the fees associated with most transaction types. Refer to the Fees and Charges brochure for further details.
Up to 80.00% LVR (inclusive of LMI) based on borrowing purpose, property category and LMI underwriting guidelines. LMI Capitalisation is not available if the base LVR is 80% (prior to the premium being capitalised).
Please Note: Valuation fee quoted of $252.15 is for Metro property < $1m. Valuation fees are at cost therefore the valuation fee payable may be higher than this amount. No Loan Exits Fees. $350.00 Mortgage Discharge. No loan redraw fee when done through IB, $35 if staff assisted. No Redraw activation fee. Settlement Fee of $150 for loan top ups.