Beyond Bank Australia Home Loan Rates December 2025

Explore Beyond Bank Australia home loan offers to find some of the most competitive mortgage rates, fees, and features available for you.

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
5.19% p.a.
6.11% p.a.
$2,742
Principal & Interest
Fixed
$395
$200
80%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.19% p.a.
6.05% p.a.
$2,742
Principal & Interest
Fixed
$395
$200
80%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.19% p.a.
6.11% p.a.
$2,742
Principal & Interest
Fixed
$395
$0
95%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.19% p.a.
6.05% p.a.
$2,742
Principal & Interest
Fixed
$395
$0
95%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.34% p.a.
6.19% p.a.
$2,789
Principal & Interest
Fixed
$395
$200
80%
  • Owner Occupier
  • Fixed 1 Year
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.34% p.a.
6.19% p.a.
$2,789
Principal & Interest
Fixed
$395
$0
95%
  • Owner Occupier
  • Fixed 1 Year
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.39% p.a.
5.42% p.a.
$2,805
Principal & Interest
Variable
$0
$445
60%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 40% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.39% p.a.
5.76% p.a.
$2,805
Principal & Interest
Variable
$395
$200
60%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 40% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
More home loans
Important Information and Comparison Rate Warning

What you need to know about Beyond Bank home loans

Beyond Bank is a customer-owned lender headquartered in Adelaide. Built from a series of credit-union mergers, it has grown to more than 50 branches across five states and territories and was the first Australian bank to achieve B Corp certification, positioning itself as a socially minded alternative to the majors.

You might find Beyond Bank a good fit if you:

  • Prefer the option of a fee-free basic loan or an offset account
    The bank advertises a Basic variable rate product, as well as a more premium product that adds an offset account or a fixed rate option for an annual fee.

  • Want to access the 5% Deposit Scheme
    Beyond Bank is a participating lender in the 5% Deposit Scheme, allowing eligible buyers to put as little as 5% down and avoid lenders mortgage insurance (LMI).

  • Value fee-free cash access nationwide
    Customers get fee-free withdrawals at more than 10,000 ATMs operated by the big four banks (CommBank, NAB, Westpac, and ANZ).

  • Live in NSW, the ACT, Victoria, SA, or WA and/or don't mind banking online 
    The bank maintains about 50 branches in those five jurisdictions but has no branches in Queensland, Tasmania or the Northern Territory, so customers in those areas rely on digital channels and Bank@Post for cash deposits.

  • Care about verified ethics and community impact
    Beyond Bank's profits are reinvested in customer benefits , while its B Corp status commits it to high environmental and social standards, and its Beyond Bank Foundation and 4,000-plus community partnerships channel profits into local grants and causes.

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