B&E Personal Banking home loans

B&E Personal Banking
B&E Personal Banking's overall rating for home loans

(as rated by the Mozo community)

9.4 / 10

based on 8 reviews

B&E Personal Banking is one of Tasmania’s last locally owned financial institutions, and has strong roots in the community. It started life way back in 1870, and has promoted the value of home ownership and thriftiness ever since. Read on to see what home loans are on offer from B&E Personal to help Aussies own their homes today.

Rates and fees verified as correct at 10 December, 2016. Other information correct at the time of writing.

What home loans do B&E Personal Banking offer?

Fixed Rate Home Loans Fixed Rate Home Loans

If you’re after the security of fixed rates when you go to buy your home, check out B&E Personal Banking’s fixed rate home loan offer. You can borrow up to 95% of the property’s value but keep in mind you’ll pay both application and monthly service fees. In terms of features, you’ll have the chance to make unlimited free extra repayments and to redraw funds, although fees and a minimum amount apply. If you opt for the Flexichoice option you’ll also have the use of an offset account.

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.99% p.a.

5.46% p.a.

$10.00 monthly

$650

4.79% p.a.

5.19% p.a.

$10.00 monthly

$650

4.39% p.a.

5.09% p.a.

$10.00 monthly

$650

4.69% p.a.

5.10% p.a.

$10.00 monthly

$650

4.29% p.a.

4.99% p.a.

$10.00 monthly

$650


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Variable Rate Home Loans Variable Rate Home Loans

There are a number of different variable rate home loan options from B&E Personal Banking - on some you can borrow up to 95% of the property’s price, on others, up to 90%. All variable rate offers also come with unlimited free extra repayments and a redraw facility, although fees and a minimum amount apply to the latter. Most offers also give you the use of an offset account and the ability to split between fixed and variable rates. Depending which offer you choose, you might pay an upfront application fee, a monthly service fee, or in some cases, both.

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

5.42% p.a.

5.58% p.a.

$10.00 monthly

$650

5.12% p.a.

5.28% p.a.

$10.00 monthly

$650

5.02% p.a.

5.14% p.a.

$10.00 monthly

$0

3.92% p.a.

4.05% p.a.

$10.00 monthly

$0

4.94% p.a.

4.99% p.a.

$0.00

$650

4.84% p.a.

4.89% p.a.

$0.00

$650

4.64% p.a.

4.69% p.a.

$0.00

$650

4.54% p.a.

4.59% p.a.

$0.00

$650

4.52% p.a.

4.57% p.a.

$0.00

$650

4.42% p.a.

4.47% p.a.

$0.00

$650

4.22% p.a.

4.27% p.a.

$0.00

$650

4.12% p.a.

4.17% p.a.

$0.00

$650


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B&E Personal Banking home loan features in a glance

Offset accountOffset account

With the exception of some of the variable rate options, you’ll have the use of an offset account on your B&E Personal Banking home loan to help keep interest costs down.

Unlimited free extra repaymentsUnlimited free extra repayments

Pay off your home loan faster by making free additional repayments. Just keep in mind, if you pay your whole loan off before the fixed term is up, there could be early break fees.

Flexible repayment scheduleFlexible repayment schedule

Make your repayments weekly, fortnightly or monthly - whatever will suit your budget best.

How are B&E Personal Banking home loans rated?

So what do B&E Personal Banking customers have to say about their home loans? Find out in our customer review section.

B&E Personal Banking home loans

Overall 9.4*

Price

Features

Customer service

Convenience

Trust

8 Reviews

* Overall rating based on reviews in the past 12 months.

Recent B&E Personal Banking home loan reviews Recent B&E Personal Banking home loan reviews

B&E Personal Banking

B&E Personal Banking home loan review

Overall rating   10 / 10

Excellent products

Awesome people at branch and great bank

Full review

Awesome people at branch and great bank

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Cheree (TAS), reviewed 11 months ago

B&E Personal Banking

B&E Personal Banking home loan review

Overall rating   10 / 10

Friendly helpful staff

B&E is the best bank in Australia because of the friendly staff who go out of their way to serve you with a smile and they even know my name! Their interest rates are fabulous and they talk to you in an easy to understand manner and nothing is...

Full review

B&E is the best bank in Australia because of the friendly staff who go out of their way to serve you with a smile and they even know my name! Their interest rates are fabulous and they talk to you in an easy to understand manner and nothing is too much trouble to explain. We have been with B&E for over 40 years and would never consider changing to any other bank!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Joanne (TAS), reviewed over 1 year ago

B&E Personal Banking

B&E Personal Banking Topline (Owner Occupier) home loan review

Overall rating   10 / 10

Best interest rates & service

This bank is small enough to tailor their loans to the individual borrower. I have had bank accounts with the "big four" banks, but none could provide the individual service like B&E. I walk in the door and am greeted by my name. With Westpac and...

Full review

This bank is small enough to tailor their loans to the individual borrower. I have had bank accounts with the "big four" banks, but none could provide the individual service like B&E. I walk in the door and am greeted by my name. With Westpac and NAB, every time I enter the bank, the staff are different to the last time I visited. I am not recognised, I am just a number on a computer! If I ask for something a little different to their standard product line, no-one seems to have enough authority to approve and am told to return another day when someone else will be there. At B&E the comment was "what a great idea! We can organise that straight away". The branch manager has the authority to approve deals,without having to refer to higher authority.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Elvin (TAS), reviewed about 2 years ago

B&E Personal Banking

B&E Personal Banking home loan review

Overall rating   10 / 10

Excellent all round service, clear and concise

To be addressed by name and greeted with a smile makes me feel valued and appreciated. The ladies at the counter are always cheerful and helpful. Always willing to help and explain any questions. The manager is fantastic and always helpful and...

Full review

To be addressed by name and greeted with a smile makes me feel valued and appreciated. The ladies at the counter are always cheerful and helpful. Always willing to help and explain any questions. The manager is fantastic and always helpful and considerate. Online banking is great and I just love my bank.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Caroline (TAS), reviewed over 2 years ago

B&E Personal Banking

B&E Personal Banking Topline (Owner Occupier) home loan review

Overall rating   10 / 10

Awesome personal service

My local branch has the best staff and nothing is too much trouble on any enquiry we have had, I would never use one of the 4 big banks again as this is the best personal service you could receive. They even follow up a few months down the track...

Full review

My local branch has the best staff and nothing is too much trouble on any enquiry we have had, I would never use one of the 4 big banks again as this is the best personal service you could receive. They even follow up a few months down the track to see if you are happy with the way things are going and if you need any further help.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Kim (TAS), reviewed over 2 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a B&E Personal Banking home loan? What do you need to apply for a B&E Personal Banking home loan?

You can apply for a B&E Personal Banking home loan either in a branch or online. Here’s what you’ll need:

  • I.D - photo I.D is best, but birth certificates and Medicare cards can also be used.
  • Proof of income - such as payslips, group certificates or a letter from your employer.
  • Details of any other income - from things like shares, investments or rental properties
  • Details on your financial situation - including savings, assets, debts, super and ongoing expenses
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