Total Home Loan Package Variable Total Home Loan Package Variable $50K+ <90% (Owner Occupied)

  • 4.05%
    p.a Standard Variable
  • 4.22%
    p.a Comparison**
  • $252
    Upfront fees
  • $395
    Annual fees
  • 90%
    Max LVR
  • $1,890
    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
Not Required

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
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 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


For a limited time, the settlement fee is waived on Total Home Loan Package loans. The Total Home Loan Package is the complete home loan solution with waived fees, reduced interest rates and fee free transactional banking. Other benefits include waived Annual Fee on the Low Rate Credit Card. All fixed terms allow $25,000 p.a. in additional repayments without penalty. No fees for split loans. Free redraw through IB. Valuation fees are at cost and will vary based on the valuation type and property location. Product is available as a Parent Equity Loan. Package fixed rates will revert to the applicable package variable rate based on the borrowers portfolio. Also available to Sole Trader, Partnership, Trust and Company borrowers. Unlimited Fee free Transactions except for those detailed in the Broker Fee Matrix. Loan amounts above $2,000,000 will be considered and are subject to approval by Beyond Bank and meeting APRA requirements. Cheque account available if attached to a savings account.

LVR Notes

Up to 90.00% LVR (inclusive of LMI) based on borrowing purpose, property category and LMI underwriting guidelines. LMI Capitalisation is not available if the base LVR is 90% (prior to the premium being capitalised).

Fee Notes

For a limited time, the settlement fee is waived on Total Home Loan Package loans. 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. Fixed Rate Hold fee 0.25% of loan amount and payable on settlement. No Loan Exits Fees. $350.00 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

*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