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Home loans

First Home Buyer Package.

A home loan bundle specially designed for Aussies entering the property market for the first time.

Apply online Speak with a Lending Specialist
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First rodeo? Start with the right gear.

Our First Home Buyer Package gives you the choice between a variable rate with an offset account, a competitive fixed rate, or a combination of the two. 

And, because it’s linked to the Australian Government 5% Deposit Scheme, you don’t need a 20% deposit saved to enter the arena.  

You won’t go in alone, either. Get one-to-one support and guidance from an experienced Lending Specialist throughout the journey.  

Am I eligible for the Scheme?       See interest rates

What makes it special.

Option for 100% offset
A transaction or savings account linked to your home loan helps reduce the amount of interest you pay.¹
Grants and schemes explored
We’ll do the digging to find out which incentives and concessions you're eligible for.
Support after settlement
Annual check-ins with your Lending Specialist to ensure your home loan is in great shape, all at no cost to you.
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Rates starting from

For 3 Year Fixed Total Home Loan Package Home Buyer Scheme ≤95 LVR^

6.59

%
p.a.
Interest rate

6.97

%
p.a.
Comparison rate*
Compare home loans See all rates
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Available for new builds, too.

We can arrange for your loan to be paid in instalments rather than all at once, so you can meet your builder’s payment plan while only paying interest on what you’ve used.

How does a construction loan work?

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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.

Learn more about LMI       What is parent equity?

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First home buyer hub

Handy guides, articles, tools, and FAQs on the A-Z of buying your first home.

Go to the hub
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Australian Government 5% Deposit Scheme

The Scheme makes home ownership more achievable by helping you buy sooner with a small deposit, supported by a Government guarantee.

Am I eligible?
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Request a free property report

Got your eye on a place? Get useful insights on a specific property or suburb, delivered straight to your inbox.

Get your report
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Real people, real advice.

Get personalised support from an experienced Lending Specialist at a time and place that suits you, including evenings and weekends.

Book appointment

How to apply for this loan.

  1. Complete application
    It's quick and easy. You'll need details on your income, assets, and expenses handy.

  2. We'll be in touch
    After assessing your application, we'll give you a call to chat through your options or get more details.

  3. 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 First Home Buyer Package^

Home loans

Loan to Value Ratio (LVR) Interest rate (% p.a.) Comparison rate (% p.a.)*
≤95% LVR 6.24% p.a. 6.59% p.a.

Building loans

Loan to Value Ratio (LVR) Interest rate (% p.a.) Comparison rate (% p.a.)*
≤95% LVR 6.44% p.a. 6.85% p.a.

Fixed First Home Buyer Package^

Home loans

Loan to Value Ratio (LVR) Interest rate (% p.a.) Comparison rate (% p.a.)*
1 Year    
≤95% LVR 6.29% p.a. 6.95% p.a.
2 Year    
≤95% LVR 6.39% p.a. 6.93% p.a.
3 Year    
≤95% LVR 6.59% p.a. 6.97% p.a.

Building loans

Loan to Value Ratio (LVR) Interest rate (% p.a.) Comparison rate (% p.a.)*
1 Year    
≤95% LVR 6.59% p.a. 7.04% p.a.
2 Year    
≤95% LVR 6.69% p.a. 7.06% p.a.
3 Year    
≤95% LVR 6.89% p.a. 7.12% p.a.

Fees and Charges.

Fees and Charges that apply Amount
Annual Package Fee $395
Valuation Fee At cost
Lenders' Mortgage Insurance At cost
Search Fee $35
Discharge Fee $350
Additional Fee for Building Loans:  
Building Loan Establishment Fee $890

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

Apply for a loan or pre-approval in under 20 minutes.
Start application

Pre-qualify

Get clarity on how much you could comfortably borrow. No credit checks or commitments to choose us as your lender.
Pre-qualify now
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Not quite ready yet?

Check out our guide to buying a house in Australia. It breaks down the home buying process into seven simple steps, with tips on how to save for a deposit, selecting a home loan, and more.

Know the steps

 

First home buyer 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).

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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.

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Sorry to hear that! Please share how we can improve.

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Thank you for your feedback!
See all home loan FAQs

Help is here.

Book appointment
Chat with a home loan expert at a time that suits you.
Book appointment
Message us
Our live chat is available Monday to Friday 9am - 5pm, Saturday 9am - 3pm (Adelaide time). Excluding national public holidays.
Chat now
Call us
Monday to Friday 8am - 8pm, Saturday 9am - 3pm (Adelaide time). Excluding national public holidays.
Call 13 25 85

   
 

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.
   
1

100% Offset is only available on Variable Rate Home Loans.
   
*

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.
   
^

The Total Home Loan Package Home Buyer Scheme interest rates and maximum LVR are exclusive to borrowers eligible for and participating in the Australian Government 5% Deposit Scheme. This includes the General Stream and Single Parent Stream. Maximum LVR under the Single Parent Stream is 98%. Eligibility for the Scheme and relevant guarantees is available on the Housing Australia website or by contacting us.
 

Eligible under the Family Home Guarantee for loans with LVR ≤98%.
 

The Total Home Loan Package has an Annual Package Fee of $395.
   
 

Lenders' Mortgage Insurance is required where the loan is greater than 80% of the value of the security property and not participating in the Home Guarantee Scheme (HGS). This may vary based on the location of the property.
   
 

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.
   
 

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.