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Home loans

Fixed rate home loans.

Lock in a competitive rate and get the peace-of-mind of repayment certainty.

Apply online Speak to a Lending Specialist
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Know exactly what your repayments will be.

When you choose our Fixed Total Home Loan Package, you can sit back and relax with the knowledge your repayments won’t change during your fixed rate term.

See interest rates       Calculate your repayments

Why choose a fixed rate with Beyond Bank.

Make extra repayments
Make up to $25,000 in extra repayments each year without penalty.¹
Free online redraw
Withdraw any extra repayments you have made, or you could enjoy a repayment holiday.²
Split loan option
Combine the stability of a fixed rate with the flexibility of a variable rate.
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Rates starting from

3 Year Fixed Total Home Loan Package ≤80% LVR

6.59

%
p.a.
Interest rate

6.97

%
p.a.
Comparison rate*
Compare home loans See all rates

Other options.

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Available with the 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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Make it a construction loan

Renovating or building? Create a payment schedule so your builder has clarity on when the money will arrive.

Learn about this option
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Parent equity option

A family member can help you secure a home loan by using equity in their home as security.

Explore option
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Other perks of going fixed rate.

  • Get pre-approved for up to four months so you can search for your home or property with confidence³
  • Guarantee your rate at application, with Rate Lock, so you know the rate you will get at settlement⁴
  • Annual fee waived on the Low Rate Visa Credit card⁵
  • Loan term up to 30 years.
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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.

Fixed Total Home Loan Package

Home loans

Loan to Value Ratio (LVR) Interest rate (% p.a.) Comparison rate (% p.a.)*
1 Year    
≤80% LVR 6.29% p.a. 6.95% p.a.
≤90% LVR 6.59% p.a. 6.98% p.a.
2 Year    
≤80% LVR 6.39% p.a. 6.93% p.a.
≤90% LVR 6.69% p.a. 6.99% p.a.
3 Year    
≤80% LVR 6.59% p.a. 6.97% p.a.
≤90% LVR 6.89% p.a. 7.05% p.a.
4 Year    
≤80% LVR 6.69% p.a. 7.00% p.a.
≤90% LVR 6.99% p.a. 7.11% p.a.
5 Year    
≤80% LVR 6.69% p.a. 7.00% p.a.
≤90% LVR 6.99% p.a. 7.13% 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

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.

Loan reverts to our standard variable rate at the end of the period. View our full home loan interest rates here.

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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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.

Go to the 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).

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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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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.

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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.
   
*

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.
   
1

Unlimited additional repayments available on Variable Rate Loans. Repay an additional $25,000 per year on any of the Fixed Rate term without fee or penalty. Additional repayments over $25,000 per year to a Fixed Rate term will result in a break cost being payable.
   
2

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.
 

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.
   
3

Conditional loan pre-approval is available for a period of 120 days.
   
4

A rate lock fee is applicable if you choose this option. Rate will be held for a maximum 90 days from the application date.
   
5

Total Home Loan borrowers are eligible to have the Low Rate Credit Card annual fee waived on one card per package.
   
 

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.