A straightforward variable home loan.
It pays to keep it simple. Our Variable Purple Basic Home Loan is an uncomplicated option for buying, refinancing, or investing in property.
What makes it great.
Fee free extra repayments
No minimum redraw
Simple fee structure
Rates starting from
For Variable Purple Basic Home Loan ≤60% LVR
6.14
6.17
Extra options.
Explore our construction loan options
Renovating or building? Create a payment schedule so that your builder has clarity on when the money will arrive.
Go to construction loans
Want an offset account?
Our variable with offset home loan could be a good option for you.
Learn about this loan
Investing in property?
We have a range of loans specifically designed for investors.
See investment loans
Smaller deposit?
Don't think the dream is over if you have less than 20% saved. With Lenders' Mortgage Insurance (LMI) or parent equity, we may be able to accept a smaller deposit.
Real people, real advice.
Get personalised support from an experienced Lending Specialist at a time and place that suits you, including evenings and weekends.
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 Purple Basic Home Loan
Home loans
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤60% LVR | 6.14% p.a. | 6.17% p.a. |
| >60 - 80% LVR | 6.24% p.a. | 6.27% p.a. |
| >80 - 90% LVR | 6.49% p.a. | 6.52% p.a. |
Fees and Charges.
| Fees and Charges that apply | Amount |
| Establishment Fee⁺ | $445 |
| Valuation Fee⁺ | At cost |
| Lenders' Mortgage Insurance | At cost |
| Search Fee | $35 |
| Discharge Fee | $350 |
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.
Ready to make a move?
Apply online
Pre-qualify
Buying your first home?
Now that's exciting! If you need a hand learning the lingo or understanding the home buying process, check out the guides, tools, FAQs, and calculators available on our first home buyer hub.
FAQs.
Your Lending Specialist will provide their direct contact details as the first point of contact, and loan status can be viewed by existing members within Internet Banking under ‘Apply’ and then ‘Loan Status’ however, you can always contact the branch or our Member Service Centre staff to direct you accordingly.
Our Member Service Centre operating hours are Monday to Friday 8:00am - 8:00pm (Adelaide time) and Saturday 9:00am - 3:00pm (Adelaide time).
Useful links
We’re glad you’re happy. Feel free to share more!
Sorry to hear that! Please share how we can improve.
Although many aspects of the application process are standard, in order to understand how much you can borrow we need to understand your individual circumstances.
You can:
- Contact our Member Service Centre Monday to Friday 8:00am - 8:00pm (Adelaide time) and Saturdays 9:00am - 3:00pm (Adelaide time)
- Contact us via Live Chat for general information Monday to Friday 9:00am - 6:00pm (Adelaide time) and Saturdays 9:00am - 3:00pm (Adelaide time)
- Attend a branch
- Meet with an experienced Lending Specialist.
Useful links
We’re glad you’re happy. Feel free to share more!
Sorry to hear that! Please share how we can improve.
To pre-qualify for a home loan, please have the following information handy:
- Details of the property you are looking to buy, build or refinance. This includes the:
- Purchase price
- Build cost
- Value of the property
- Your contribution (to cover deposit and buying costs).
- Details of your:
- Income
- Monthly living expenses
- Property assets
- Existing loans.
We’re glad you’re happy. Feel free to share more!
Sorry to hear that! Please share how we can improve.
Help is here.
Book appointment
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Interest rates apply to new loan applications received from 10 June 2026 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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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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The Purple Basic Variable Home Loan has a single application fee of $445. This includes property valuation costs up to $300, Check fees and Check search fees. Other costs (including government fees and charges) may apply. Property valuation costs in excess of $300 and other fees (such as government charges) may apply. |
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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. © 2026. |