Beyond Bank First Home Buyers Total Home Loan Package

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First home buyers can get 1, 2 or 3 year fixed rates and only need a 5% deposit.

Beyond Bank's First Home Buyers Total Home Loan Package offers discounted rates and is available with a 5% deposit. You can make extra repayments and it has free online redraw.

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Expert review

Richard Whitten

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Richard Whitten is a senior writer at Finder covering home loans and property. He helps everyone understand the ins and outs of mortgages so they can make smarter property decisions. He has written for Yahoo Finance, Money Magazine, Homely, and for multiple banks and lenders. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea. Richard has a Bachelor of Education, a Graduate Certificate in Communication and is currently studying a Certificate IV in Finance and Mortgage Broking.

Expert review

This loan has principal-and-interest repayments and fixed rates, plus a maximum insured LVR of 95%. You can get this loan with a 5% deposit, but you may have to pay lenders mortgage insurance.

About this loan

What are the features and benefits of the Beyond Bank First Home Buyers Total Home Loan Package loan?

  • Loan amount. You can borrow up to $2,000,000 with this loan.
  • Purpose. This mortgage is for people buying their first home.
  • Repayment flexibility. You can repay this loan monthly, weekly or fortnightly. You can also make extra repayments up to $25,000 a year.
  • Redraw. This loan also has a redraw facility with unlimited free online redraw. You will need to redraw a minimum of $500.

What fees and charges come with this loan?

The Beyond Bank First Home Buyers Total Home Loan Package comes with an annual package fee and a few other fees to watch out for.

  • Service fee: $395. This package fee is charged annually.
  • Discharge fee: $350. You pay a discharge fee when you end the home loan, either by repaying it or refinancing to another lender.
  • Switching fee: $395. You pay this fee when changing from one Beyond Bank home loan to another.
  • Legal and valuation fees: The legal and valuation expenses are charged at cost and will vary by property.

How to apply

To apply for this product or to get more information, click the green "Go to site" button and leave your details on Beyond Bank's website. A Beyond Bank lending specialist will get in touch and talk you through eligibility requirements and help you with your application.

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