Beyond Bank Total Home Loan Package

Rates and Fees verified correct on December 10th, 2016

The Beyond Bank Total Home Loan Package 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 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.

Interest Rate Max Insured LVR Max LVR
$300,000 to $499,999 (New Money Offer Investor)
4.54% p.a.
Comparison Rate
4.92% p.a.
95% 80%
Variable $500,000+ (Investor)
4.59% p.a.
Comparison Rate
4.97% p.a.
95% 80%
Variable $500,000+
4.3% p.a.
Comparison Rate
4.69% p.a.
95% 80%
Variable $500,000 + (New Money Offer)
3.99% p.a.
Comparison Rate
4.39% p.a.
95% 80%
Variable $300,000 to $499,000
4.4% p.a.
Comparison Rate
4.79% p.a.
95% 80%
Variable $50,000 to $299,000
4.6% p.a.
Comparison Rate
4.98% p.a.
95% 80%
Variable $50,000 to $299,000 (Investor)
4.89% p.a.
Comparison Rate
5.27% p.a.
95% 80%
Variable $300,000 to $499,999 (New Money Offer)
4.14% p.a.
Comparison Rate
4.53% p.a.
95% 80%
Variable $300,000 to $499,000 (Investor)
4.69% p.a.
Comparison Rate
5.07% p.a.
95% 80%
$500,000 + (New Money Offer Investor)
4.44% p.a.
Comparison Rate
4.83% p.a.
95% 80%
1 Year Fixed (Investor)
4.44% p.a.
Comparison Rate
5.22% p.a.
95% 80%
1 Year Fixed
4.09% p.a.
Comparison Rate
4.93% p.a.
95% 80%
2 Years Fixed
3.84% p.a.
Comparison Rate
4.84% p.a.
95% 80%
2 Years Fixed (Investor)
4.19% p.a.
Comparison Rate
5.14% p.a.
95% 80%
3 Years Fixed (Investor)
4.19% p.a.
Comparison Rate
5.08% p.a.
95% 80%
3 Years Fixed
3.84% p.a.
Comparison Rate
4.78% p.a.
95% 80%
4 Years Fixed (Investor)
4.69% p.a.
Comparison Rate
5.20% p.a.
95% 80%
4 Years Fixed
4.34% p.a.
Comparison Rate
4.89% p.a.
95% 80%
5 Years Fixed
4.34% p.a.
Comparison Rate
4.88% p.a.
95% 80%
5 Years Fixed (Investor)
4.69% p.a.
Comparison Rate
5.18% p.a.
95% 80%
Product NameBeyond Bank Total Home Loan Package
Interest Rate TypeVariable or Fixed
Comp Rate^ (p.a.)
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Mortgage Offset AccountYes
Mortgage 100% OffsetYes
Loan Redraw FacilityYes
Split Loan FacilityYes
Loan PortableYes
Suitable for InvestmentYes
Extra RepaymentYes
Available as equity loan/line of creditYes
Repayment TypePrincipal & Interest and Interest Only Options
Application Fee$0
Ongoing Fees$395 p.a.
Settlement Fee$0
Discharge Fee$295

Pros

  • 100% offset with loan redraw options.
  • Fee free extra loan repayments of up to $25,000 per year.

Cons

  • Annual package service fee of $395.
  • $295 discharge fee when you close your loan accounts.

Things to consider about the Beyond Bank Total Home Loan Package

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, buying an investment property or building 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.

Features 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 95% 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 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. There is also the ability to make additional repayments up to $25,000 per year fee free.
  • 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.

Fees

  • Annual Package Fee: $395. This is to cover the cost of maintaining your account each year.
  • Discharge Fee: $295. This is charged for the closure of your loan accounts.

How to apply for the Beyond Bank Total Home Loan Package

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.


Enquire about this home loan

Beyond Bank Total Home Loan Package Interest Rate History vs RBA Cash Rate Graph


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This page was last modified on 30 March 2016 at 16:31.

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One Response to Beyond Bank Total Home Loan Package

    Beyond Bank Total Home Loan Package

    • Interest Rate

      N/A

    • Comparison Rate

      N/A

    • App Fee / Annual Service Fee

      $0 / $395

    • Max LVR

      80%

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