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.
What makes it special.
Option for 100% offset
Grants and schemes explored
Support after settlement
Rates starting from
For 3 Year Fixed Total Home Loan Package Home Buyer Scheme ≤95 LVR^
5.19
6.05
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.
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.
First home buyer hub
Handy guides, articles, tools, and FAQs on the A-Z of buying your first home.
Go to the hub
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?
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
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.
-
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 First Home Buyer Package^
Home loans
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤95% LVR | 5.59% p.a. | 5.95% p.a. |
Building loans
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| 1 Year | ||
| ≤95% LVR | 5.64% p.a. | 6.28% p.a. |
| 2 Year | ||
| ≤95% LVR | 5.49% p.a. | 6.23% p.a. |
| 3 Year | ||
| ≤95% LVR | 5.49% p.a. | 6.20% 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 | 5.34% p.a. | 6.19% p.a. |
| 2 Year | ||
| ≤95% LVR | 5.19% p.a. | 6.11% p.a. |
| 3 Year | ||
| ≤95% LVR | 5.19% p.a. | 6.05% p.a. |
Building loans
| Loan to Value Ratio (LVR) | Interest rate (% p.a.) | Comparison rate (% p.a.)* |
| ≤95% LVR | 5.69% p.a. | 6.11% 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
Pre-qualify
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.
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 customers within internet banking under ‘Apply’ and then ‘Loan Status’ however, you can always contact the branch or our Customer Relationship Centre staff to direct you accordingly.
Our Customer Relationship Centre operating hours are Monday to Friday 8.00am -8.00pm ACST and Saturday 9.00am-3.00pm ACST.
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 Customer Relationship Centre Monday to Friday 8.00am -8.00pm ACST and Saturdays 9.00am-3.00pm ACST
- Contact us via Live Chat for general information Monday to Friday 9.00am -6.00pm ACST and Saturdays 9.00am -3.00pm ACST
- 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.
Help is here.
Book appointment
Message us
Call us
Please read this important information.
|
Interest rates apply to new loan applications received from 21 October 2025 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 Home Guarantee Scheme (HGS). This includes the First Home Guarantee Scheme, Regional First Home Buyer Guarantee and Family Home Guarantee. Eligible under the Family Home Guarantee for loans with LVR ≤98%. Eligibility for the HGS 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. © 2025. |