Know exactly what your repayments will be.
When you choose our Fixed Total Home Loan Package, you can sit back and relax with the knowledge your repayments won’t change during your fixed rate term.
Why choose a fixed rate with Beyond Bank.
Rates starting from
3 Year Fixed Total Home Loan Package ≤80% LVR
5.54
6.33
Other options.
Available with the Home Guarantee Scheme
The Home Guarantee Scheme (HGS) is an Australian Government initiative to help you buy or build your home sooner.
Am I eligible?
Make it a construction loan
Renovating or building? Create a payment schedule so your builder has clarity on when the money will arrive.
Learn about this option
Parent equity option
A family member can help you secure a home loan by using equity in their home as security.
Explore option
Other perks of going fixed rate.
- Get pre-approved for up to four months so you can search for your home or property with confidence³
- Guarantee your rate at application, with Rate Lock, so you know the rate you will get at settlement⁴
- Annual fee waived on the Low Rate Visa Credit card⁵
- Loan term up to 30 years.
Real people, real advice.
Get personalised support from an experienced Lending Specialist at a time and place that suits you, including evenings and weekends.
How to apply for this loan.
-
Complete application
It's quick and easy. You'll need details on your income, assets, and expenses handy. -
We'll be in touch
After assessing your application, we'll give you a call to chat through your options or get more details. -
Get an answer
If approved, you can easily review and sign your documents online.
Interest rates.
Understand how to use the comparison rate and calculate your loan to value ratio (LVR). Lenders' Mortgage Insurance (LMI) may also apply.
Fixed Total Home Loan Package
Home loans
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| 1 Year | ||
| ≤80% LVR | 5.69% p.a. | 6.45% p.a. |
| ≤90% LVR | 5.99% p.a. | 6.47% p.a. |
| 2 Year | ||
| ≤80% LVR | 5.54% p.a. | 6.38% p.a. |
| ≤90% LVR | 5.84% p.a. | 6.43% p.a. |
| 3 Year | ||
| ≤80% LVR | 5.54% p.a. | 6.33% p.a. |
| ≤90% LVR | 5.84% p.a. | 6.41% p.a. |
| 4 Year | ||
| ≤80% LVR | 5.99% p.a. | 6.44% p.a. |
| ≤90% LVR | 6.29% p.a. | 6.54% p.a. |
| 5 Year | ||
| ≤80% LVR | 5.99% p.a. | 6.43% p.a. |
| ≤90% LVR | 6.29% p.a. | 6.55% p.a. |
Fees and Charges.
| Fees and Charges that apply | Amount |
| Establishment Fee | $445 |
| Settlement Fee | $200 |
View our Fees and Charges Booklet for the full details. Other up-front fees including government charges may apply based on the loan and application type and can be advised on application.
Loan reverts to our standard variable rate at the end of the period. View our full home loan interest rates here.
Ready to make a move?
Buying your first home?
Now that's exciting! If you need a hand learning the lingo or understanding the home buying process, check out the guides, tools, FAQs, and calculators available on our first home buyer hub.
FAQs.
Your Lending Specialist will provide their direct contact details as the first point of contact, and loan status can be viewed by existing customers within internet banking under ‘Apply’ and then ‘Loan Status’ however, you can always contact the branch or our Customer Relationship Centre staff to direct you accordingly.
Our Customer Relationship Centre operating hours are Monday to Friday 8.00am -8.00pm ACST and Saturday 9.00am-3.00pm ACST.
Useful links
Although many aspects of the application process are standard, in order to understand how much you can borrow we need to understand your individual circumstances.
You can:
- Contact our Customer Relationship Centre Monday to Friday 8.00am -8.00pm ACST and Saturdays 9.00am-3.00pm ACST
- Contact us via Live Chat for general information Monday to Friday 9.00am -6.00pm ACST and Saturdays 9.00am -3.00pm ACST
- Attend a branch
- Meet with an experienced Lending Specialist.
Useful links
To pre-qualify for a home loan, please have the following information handy:
- Details of the property you are looking to buy, build or refinance. This includes the:
- Purchase price
- Build cost
- Value of the property
- Your contribution (to cover deposit and buying costs).
- Details of your:
- Income
- Monthly living expenses
- Property assets
- Existing loans
We're an award-winning lender.
Recognition we've received for doing right by our customers.
Forbes World's Best Banks for 2024
Canstar's Customer Owner Bank of the Year, Digital Banking 2015 - 2024
Canstar's Customer Owner Bank of the Year, Most Satisfied Customers 2023
Help is here.
Please read this important information.
|
Interest rates are current as at 3 June 2025 and are subject to change. |
|
| * |
Comparison rates are based on a $150,000 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. |
| 1 |
Unlimited additional repayments available on Variable Rate Loans. Repay an additional $25,000 per year on any of the Fixed Rate term without fee or penalty. Additional repayments over $25,000 per year to a Fixed Rate term will result in a break cost being payable. |
| 2 |
Minimum redraw amount is $500. Free redraw in-advance amounts at any time through Internet Banking and Mobile Banking. Fees apply for staff-assisted redraw. An amount equivalent to the next scheduled repayment for the loan cannot be redrawn from the in-advance amount. |
|
Please note that transfers made on Internet Banking and Mobile Banking can take up to 24 hours to process. For immediate transfers please call us on 13 25 85 or visit a branch. |
|
| 3 |
Conditional loan pre-approval is available for a period of 120 days. |
| 4 |
A rate lock fee is applicable if you choose this option. Rate will be held for a maximum 90 days from the application date. |
| 5 |
Total Home Loan borrowers are eligible to have to the Low Rate Credit Card annual fee waived on one card per package. |
|
All applications for credit are subject to Beyond Bank’s credit assessment criteria. Terms and conditions are available on request. Fees and charges apply. This information is available on our website at beyondbank.com.au/about-us/corporate-governance/disclosures, by calling us on 13 25 85 to request a copy or by visiting a branch. |
|
|
All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2025. |