An investor loan built for flexibility.
Customise your home loan package to your investment needs. Go fixed, variable, or a mix of the two with the added option of multiple 100% offset accounts.
What makes it great.
Other perks.
- Loan term up to 30 years
- Available 1, 2, 3, 4, 5-year fixed rates or variable interest rates
- Borrow up to 90% of the value of the security property4
- Choose between principal and interest or interest only repayments
- Make unlimited additional repayments to your loan when on a variable interest rate, or make up to $25,000 p.a. when on a fixed rate5
- Option to redraw on variable loans. Withdraw any extra repayments you have made6
- Annual fee waived on the Low Rate Visa Credit card.7
A direct line to support, whenever you need it.
We keep it simple by giving you one, ongoing point of contact over the life of your loan. Someone who knows your name, preferences, and investment goals.
Our team of Lending Specialists can help you:
- understand your current financial situation (income, assets, and equity) and whether you’re in a good position to invest
- explore different rates and loan structures to find one that meets your investment needs
- guide you through the application process
- manage, review, and optimise your loan after settlement.
Rates starting from
For Variable Total Home Loan Package Investment Loan Principal and Interest <60% LVR
5.74
6.10
How to apply for this loan.
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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.
Variable Total Home Loan Package Investment Loan
Home loans, principal and interest
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤60% LVR | 5.74% p.a. | 6.10% p.a. |
| >60 - 80% LVR | 5.84% p.a. | 6.20% p.a. |
| >80 - 90% LVR | 6.24% p.a. | 6.59% p.a. |
Home loans, interest only
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤80% LVR | 5.94% p.a. | 6.30% p.a. |
| >80 - 90% LVR | 6.24% p.a. | 6.59% p.a. |
Building loans, principal and interest
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤80% LVR | 6.24% p.a. | 6.66% p.a. |
| >80 - 90% LVR | 7.19% p.a. | 7.60% p.a. |
Fixed Total Home Loan Package Investment Loan
Home loans, principal and interest
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| 1 Year | ||
| ≤80% LVR | 5.89% p.a. | 6.55% p.a. |
| ≤90% LVR | 6.19% p.a. | 6.58% p.a. |
| 2 Year | ||
| ≤80% LVR | 5.74% p.a. | 6.49% p.a. |
| ≤90% LVR | 6.04% p.a. | 6.55% p.a. |
| 3 Year | ||
| ≤80% LVR | 5.74% p.a. | 6.45% p.a. |
| ≤90% LVR | 6.04% p.a. | 6.53% p.a. |
| 4 Year | ||
| ≤80% LVR | 6.29% p.a. | 6.61% p.a. |
| ≤90% LVR | 6.59% p.a. | 6.71% p.a. |
| 5 Year | ||
| ≤80% LVR | 6.29% p.a. | 6.61% p.a. |
| ≤90% LVR | 6.59% p.a. | 6.74% p.a. |
Home loans, interest only
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| 3 Year | ||
| ≤90% LVR | 5.94% p.a. | 6.51% p.a. |
| 5 Year | ||
| ≤90% LVR | 6.49% p.a. | 6.69% p.a. |
Fees and Charges.
| Fees and Charges that apply | Amount |
| Annual Package Fee | $395 |
| Valuation Fee | At cost |
| Search Fee | $35 |
| Building Loan Establishment Fee | $890 |
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.
Start your investment journey with us today.
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.
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Interest rates apply to new loan applications received from 3 June 2025 and are subject to change without notice. Borrowers who acquired or applied for these products before this date may have a different interest rate. |
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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. |
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This offer will continue to apply until the loan is varied. Available only for investment purposes. |
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The following loans are ineligible for this offer: Building/Construction and Parent Equity. |
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| 1 |
100% Offset is only available on Variable Rate Home Loans. |
| 2 |
Conditional loan pre-approval is available for a period of 120 days. |
| 3 |
There is no establishment fee ($445) on this interest rate. Valuation fees and other fees (such as government charges) may apply. |
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The Total Home Loan Package has an Annual Package Fee of $395. |
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| 4 |
Lenders' Mortgage Insurance is required when the loan is greater than 80% of the value of the security property. This may vary based on the location of the property. |
| 5 |
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. |
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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. |
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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. |
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| 7 |
Total Home Loan borrowers are eligible to have to the Low Rate Credit Card annual fee waived on one card per package. |
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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. |
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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. |