Beyond Bank Total Home Loan Package

The Beyond Bank Total Home Loan Package Variable offers features that help you to pay off your home sooner while saving you money with lower rates and fees.

The Beyond Bank Total Home Loan Package Variable is a customisable home loan that works to save you money over the life of your loan. This loan has no application fees and comes with a 100% mortgage offset account and a Low Rate Credit Card that can save you thousands in interest.

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Review by

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206) and a Tier 1 Generic Knowledge certification (RG 146).

Expert review

This home loan package is available for new home loans with a minimum loan amount of $50,000. It can be used to purchase a home to live or build a new home.

This loan has a fixed rate or variable rate option, with a 100% offset account attached. It also has the option to pay up to $25,000 extra repayments per year to help you pay off your loan sooner.

About this loan

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

  • 100% offset account. A 100% offset account helps you pay off your home loan sooner by using any funds in it to lower the interest charged towards your loan. You can also access these funds through an ATM and online banking as well as have multiple offsets that can be used for different purposes.
  • Maximum loan-to-value ratio (LVR). You can borrow up to 90% LVR with this loan, however, you will incur lenders mortgage insurance (LMI) if you borrow over 80% LVR.
  • Maximum loan amount. You are able to borrow up to N/A with this loan, however, your interest rate differs depending on the amount you borrow with the variable rate loan.
  • Repayment options. You can make regular repayments weekly, fortnightly or monthly. Unlimited additional repayments on variable rate loans, $25,000 maximum repayments on fixed rate loans.
  • Split your loan. You can split your loan between both fixed and variable rate types for no additional cost. You can enjoy the budgeting benefits of the fixed whilst also having the flexibility and other benefits of the variable.
  • Package credit card. A package benefit is the Beyond Bank Low Rate Credit Card which has no annual fee and up to 62 days interest free on purchases.

What fees and charges come with this loan?

  • Annual Package Fee: $395. This is to cover the cost of maintaining your account each year.
  • Discharge Fee: $350. This is charged for the closure of your loan accounts.

How to apply

If the Beyond Bank Total Home Loan Package interests you then click on the 'Enquire' or 'Go to site' buttons on this page. You will either be redirected to the Beyond Bank website or asked to fill in a form for a mortgage broker to contact you regarding your lending needs.

If you have been redirected to the Beyond Bank website you will see a yellow 'Apply Now' or purple 'Get Started' button where you can apply online. Alternatively, you can fill out your basic information in the enquiry form and Beyond Bank will contact you to discuss your needs.

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