Total Home Loan Package Variable Total Home Loan Package Variable $300k - $500k (Owner Occupied)

  • 4.50%
    p.a Standard Variable
  • 4.67%
    p.a Comparison**
  • $403
    Upfront fees
  • $395
    Annual fees
  • 90%
    Max LVR
  • $1,978
    Per Month*

About Beyond Bank

Beyond Bank is one of Australia’s largest customer owned banks, with assets under management over $4 billion, 195,000 customers, 49 branches, access to over 3,000 rediATM’s and 600 staff. The bank provide personal and business banking services along with financial planning to our customers ensuring we are able to support prosperity for the many.

Standard Variable

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 90% 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 Construction, Equity, 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

Redraw Facility

Get quick access to cash by drawing on the loan to pay for renovations or other purchases.

Redraw Facility
Min Redraw
Redraw fee

Banking Features

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
Credit Card
Internet Banking
Telephone Banking
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 Fees

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.


Ongoing Fees

Monthly and annual fees and charges during the loan period.

Ongoing Yearly

Exit Fees

Fees associated with prematurely ending the loan.

Early Repayment
Switch To Fixed


Total Home Loan Package offers 1 - 5 years fixed rates and tiered variable rates based on a combination of loan amount and LVR; The Package includes fee free transactional banking, including on the 100% Mortgage Offset Account, and no annual fee on the low rate credit card. The 100% Mortgage Offset account requires a minimum balance of $500, is available on the 1 year fixed rate and variable rates only and is not available for Construction Loans. Package fixed rates will revert to the applicable package variable rate based on the borrowers portfolio. Variable rates can be switched to a fixed rate at anytime for no fee; fixed rates can be re-fixed at expiry for no fee. The Total Home Loan Package is also available for ACT Land Rent Scheme Loans and Parent Equity Loans and to Sole Trader, Partnership, Trust and Company borrowers. No fees for split loans. Loan amounts above $2,000,000 will be considered and are subject to approval by Beyond Bank and meeting APRA requirements. Valuation fees are at cost and will be disclosed at the point of application. Cheque account available if attached to a savings account. Unlimited Fee free Transactions except for those detailed in the Broker Fee Matrix.

LVR Notes

Up to 90.00% LVR based on borrowing purpose, property category and LMI underwriting guidelines. Note that if LMI capitalisation puts loan over 90% LVR, then the >90% LVR interest rate will apply.


All loans over 90% LVR will require 5% genuine savings. For first home buyers where 5% genuine savings has not been held for a minimum of three months Beyond Bank will accept six months rental statements confirming timely rental; payments in lieu of the three month period.

Fee Notes

Please Note: Valuation fee of $253 is the minimum amount charged, valuations are at cost and will be final amount will disclosed at the point of application. No Loan Exit Fees; $295.00 Mortgage Discharge. No loan redraw fee when done through IB, $35 if staff assisted. No Redraw activation fee. Additional fees may be applicable based on loan purpose and structure (i.e. construction loans; parent equity loans, etc).

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided