Beyond Bank home loans

Beyond Bank
Beyond Bank's overall rating for home loans

(as rated by the Mozo community)

8.5 / 10

based on 27 reviews

Formerly a credit union trading under the name Community CPS Australia, Beyond Bank has been one of Australia’s fastest growing customer owned banks since 2013.

Right now, Beyond Bank provides personal and business banking services as well as financial planning advice to over 195,000 customers. Beyond Bank operates across almost 50 branches nationwide and customers enjoy access to over 3,000 rediATMs.  

If you love the idea of banking with an award winning mutual, you may want to consider taking out your home loan with Beyond Bank which scored 2016 Mozo Experts Choice Home Loan Awards for Best Value Fixed Home Loan and Best Value Fixed Investor Home Loan.

Rates and fees verified as correct at 02 December, 2016. Other information correct at the time of writing.

What home loans do Beyond Bank offer?

Fixed Rate Home Loans Fixed Rate Home Loans

With a fixed home loan from Beyond Bank, you can lock in your interest rate for a period of 1 year up to 5 years with a Fixed Home Loan from Beyond Bank. The fixed rate is available on home loans starting from $10,000 and Beyond Bank allows you to borrow up to 95% of the property’s value. There are plenty of flexible repayment options which will take the stress out of paying off your home loan including interest only payments of up 5 years, repayment holidays (subject to approval) and the ability to make additional repayments of up to $25,000 each year. You’ll also have the opportunity to save on your interest payments with the help of a 100% mortgage offset account when you choose to fix your rate for 1 year.

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

4.44% p.a.

5.18% p.a.

$0.00

$595

4.09% p.a.

4.87% p.a.

$0.00

$595


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Variable Rate Home Loans Variable Rate Home Loans

Owner occupiers and investors can pick between two Beyond Bank variable home loans; a basic, no frills option on loans starting from $150,000 and a standard variable rate which is available for loans from $10,000. With a variable home loan from Beyond Bank, you can tailor your repayment options to suit your day to day finances via extra repayment flexibility, repayment holidays and your choice of a weekly, fortnightly or monthly repayment cycle. The basic option comes with a monthly service fee but if you’re a first home buyer, you won’t be charged an establishment fee. Beyond Bank’s standard variable option also has a number of competitive features including a 100% mortgage offset account and no monthly account keeping fees.

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

4.69% p.a.

4.86% p.a.

$11.00 monthly

$595

4.40% p.a.

4.57% p.a.

$11.00 monthly

$595

3.73% p.a.

3.73% p.a.

$0.00

$0

Go to site

5.39% p.a.

5.44% p.a.

$0.00

$595

5.10% p.a.

5.15% p.a.

$0.00

$595


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Fixed Package Home Loan Fixed Package Home Loan

There are two fixed home loan packages from Beyond Bank which you may be eligible to apply for depending on your loan balance. With the Pinnacle +Plus Package from Beyond Bank, you can choose a fixed term of 1 year up to a period of 5 years on loans starting from $200,000. The Pinnacle +Plus Package offers an above average level of flexible features including a redraw facility (fees apply), repayment holidays and an extra repayments facility (up to $25,000 p.a.). If you opt for a 1 year fixed term, you’ll also be able to make full use of an offset account. There are a number of additional benefits you may be eligible for when you sign up for this package in the form of waived transaction account fees, interest rate discounts on car and personal loans as well as bonus rates on term deposits. Suitable for loans starting from $50,000, Beyond Bank’s Fixed Rate Total Home Loan Package is also packed with flexible repayment features (i.e. extra repayments, redraw facility and an offset account) but there is a yearly service fee to consider.

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

4.19% p.a.

4.72% p.a.

$0.00

$150

4.19% p.a.

4.86% p.a.

$0.00

$150

3.94% p.a.

4.59% p.a.

$0.00

$150

3.94% p.a.

4.44% p.a.

$0.00

$150

4.19% p.a.

4.95% p.a.

$395.00 yearly

$150

4.19% p.a.

4.88% p.a.

$395.00 yearly

$150

4.19% p.a.

5.09% p.a.

$395.00 yearly

$150

3.84% p.a.

4.65% p.a.

$395.00 yearly

$150

3.84% p.a.

4.58% p.a.

$395.00 yearly

$150

3.84% p.a.

4.80% p.a.

$395.00 yearly

$150


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Variable Package Home Loan Variable Package Home Loan

The Standard Variable Home Loan Pinnacle +Plus Package from Beyond Bank is available on loans starting from $200,000 and allows you to borrow up to 95% of the property’s value. Principal and interest and interest only repayments are available as well as a bundle of other flexible features including an extra repayment facility and repayment holidays. There are no application or ongoing service fees when you sign up for Beyond Bank’s Standard Variable Package and you’ll have every opportunity to save money by taking advantage of the offset account and additional package benefits (i.e. waived transaction account fees, fee and interest rate discounts on car and personal loans and bonus rates on term deposits). Beyond Bank’s Variable Rate Total Home Loan Package is suited to homeowners with loans from $50,000. There is a yearly service fee to consider but you won’t miss out on heaps of competitive features like an offset account, an extra repayment facility and a free redraw facility.

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

5.09% p.a.

5.11% p.a.

$0.00

$150

4.89% p.a.

4.91% p.a.

$0.00

$150

4.80% p.a.

4.82% p.a.

$0.00

$150

4.60% p.a.

4.62% p.a.

$0.00

$150

4.59% p.a.

4.99% p.a.

$395.00 yearly

$150

4.69% p.a.

5.08% p.a.

$395.00 yearly

$150

4.89% p.a.

5.28% p.a.

$395.00 yearly

$150

4.60% p.a.

5.00% p.a.

$395.00 yearly

$150

4.40% p.a.

4.80% p.a.

$395.00 yearly

$150

4.30% p.a.

4.70% p.a.

$395.00 yearly

$150

4.54% p.a.

4.94% p.a.

$395.00 yearly

$150

4.44% p.a.

4.84% p.a.

$395.00 yearly

$150

4.14% p.a.

4.55% p.a.

$395.00 yearly

$150

3.99% p.a.

4.40% p.a.

$395.00 yearly

$150


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Line of Credit Line of Credit

Beyond Bank’s All in One Home Loan is a line of credit home loan that gives you access to the equity in your home for everything from investment opportunities to everyday expenses. This loan is available from $10,000 and allows you borrow up to 90% of your property’s value. Similar to other line of credit loans, there is no monthly service fee and no set principal repayments but interest payments on your outstanding balance is due monthly.

Product Rate Comparison Rate* Service fee Upfront fee

5.54% p.a.

n/a

$0.00

$595

5.25% p.a.

n/a

$0.00

$595

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Beyond Bank home loan features in a glance

Offset accountOffset account

If the prospect of saving hundreds on interest over the term of your home loan sounds enticing to you then it’s a good idea to consider a home loan with a mortgage offset account such as the standard variable home loan or 1 year fixed rate option from Beyond Bank.

Parent EquityParent Equity

Beyond Bank’s Parent Equity option allows you to use the equity that a family member has in their property as security on your loan.

3-month pre-approval3-month pre-approval

Beyond Bank can approve your fixed, variable or line of credit home loan up to three months in advance so you can begin your property search knowing exactly how much you can spend.

Interest only paymentsInterest only payments

Just because you’ve decided to lock in a fixed rate doesn’t mean you can’t take advantage of flexible repayment options. For instance, Beyond Bank’s Fixed Home Loan has interest only payment options for up to 5 years.

How are Beyond Bank home loans rated?

Before you settle with a lender, head on over to our home loan review page and check out what real Beyond Bank customers have to say about their home loan.

Beyond Bank home loans

Overall 8.5*

Price

Features

Customer service

Convenience

Trust

27 Reviews

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

Recent Beyond Bank home loan reviews Recent Beyond Bank home loan reviews

Beyond Bank

Beyond Bank home loan review

Overall rating   8 / 10

Competitive interest rates

The best interest rate home loan for investors currently on the market. Quick and friendly loan approval. Great customer service. Low fee loans.

Full review

The best interest rate home loan for investors currently on the market. Quick and friendly loan approval. Great customer service. Low fee loans.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Troy (NSW), reviewed 8 months ago

Beyond Bank

Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%) home loan review

Overall rating   8 / 10

Tailored to your needs, Honest and competitive

Great people. Always ready to listen.

Full review

Great people. Always ready to listen.

    Price   8 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   7 / 10

Less

Victoria (NSW), reviewed 8 months ago

Beyond Bank

Beyond Bank Basic Variable Home Loan (Owner Occupier) home loan review

Overall rating   9 / 10

Competitive rates

Manager very understanding of my requirements.

Full review

Manager very understanding of my requirements.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Graeme (WA), reviewed about 1 year ago

Beyond Bank

Beyond Bank Basic Variable Home Loan (Owner Occupier) home loan review

Overall rating   7 / 10

Excellent product that suits my requirements

Great rates, allows me to pay extra into mortgage to offset my interest and reduce my loan overtime. Can also draw on mortgage offset via online banking without any fees.

Full review

Great rates, allows me to pay extra into mortgage to offset my interest and reduce my loan overtime. Can also draw on mortgage offset via online banking without any fees.

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Shaun (SA), reviewed over 1 year ago

Beyond Bank

Beyond Bank Low Rate Special Variable Home Loan (Owner Occupier, LVR<70%) home loan review

Overall rating   10 / 10

Pleasing

Always nice & helpful.

Full review

Always nice & helpful.

    Price   5 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   5 / 10

    Trust   10 / 10

Less

Michelle (NSW), reviewed over 1 year ago

Hide reviews

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 Beyond Bank home loan? What do you need to apply for a Beyond Bank home loan?

If you want to apply for a Beyond Bank home loan, you’ll need to complete an online application form. Before you get started, it’s a good idea to get the following information ready:

  • Your current place of residence
  • Your driver’s licence number
  • Your current employment details
  • Your income details such as any rental or government income, shares, superannuation etc.
  • Details of existing assets, liabilities and expenses you may have.
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