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Expert review

Adam Smith

Review by


Adam Smith was the home loans editor at Finder.

Expert review

The Beyond Bank Fixed Rate Home Loan is available for owner-occupiers. The three-year fixed rate loan offers a low minimum borrowing amount and free online redraws.

About this loan

What are the features and benefits of the Beyond Bank Fixed Rate Home Loan?

  • Loan amount and purpose. The Beyond Bank Fixed Rate Home Loan has a low minimum borrowing amount of $50,000 and a maximum borrowing amount of $2,000,000. You can borrow up to 80% of the value of your property. However, borrowing more than 80% will incur a lenders mortgage insurance (LMI) premium.
  • Extra repayments. Unlike many fixed rate home loans, the Beyond Bank Fixed Rate Home Loan allows you to make additional repayments. You can make up to $25,000 in extra repayments each year without penalty.
  • Free redraw. If you've made extra repayments, you can withdraw them using the loan's free online redraw facility. There's no fee for redraws and no minimum redraw amount.
  • Fee-free credit card. The Beyond Bank Fixed Rate Home Loan offers access to the bank's no-annual-fee, low-rate credit card.
  • Interest-only option. The Beyond Bank Fixed Rate Home Loan offers a two-year interest-only term, subject to approval.

What fees and charges come with this loan?

  • Application fee: $445. Beyond Bank is currently waiving this fee for this product.
  • Annual package fee: $395. There is an annual package fee.
  • Settlement fee: $350. This fee covers the funding costs associated with funding your home loan.
  • Discharge fee: $295. This one-off fee is charged when you close your home loan account, either by refinancing or paying off your home loan.

How to apply

If you've compared home loans and think the Beyond Bank Fixed Rate Home Loan is right for you, click the link below. You'll be taken to Beyond Bank's website where you'll be walked through your application.

Home Loan Offers

Important Information*
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Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

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Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

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Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate
UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate

Take advantage of a low-fee mortgage with a special interest rate of just 2.34% p.a. and a 2.34% p.a. comparison rate.

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