Beyond Bank Low Rate Special Variable Home Loan
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%
Choose the version of loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $150,000 | |
| | Owner Occupier | Principal & Interest | 80%-90% | $150,000 | |
| | Investor | Principal & Interest | < 90% | $150,000 | $2,000,000 |
| | Investor | Interest Only | < 80% | $150,000 |
-
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $150,000
-
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $150,000
-
Investor (Principal & Interest)
LVR < 90%
Loan: $150,000 $2,000,000
-
Investor (Interest Only)
LVR < 80%
Loan: $150,000
Beyond Bank Low Rate Special Variable Home Loan
4.35% p.a.
4.36% p.a.
$0.00
Beyond Bank Low Rate Special Variable Home Loan
4.35% p.a.
4.36% p.a.
$0.00
4.35% p.a.
4.36% p.a.
$0.00
4.55% p.a.
4.56% p.a.
$0.00
Beyond Bank Low Rate Special Variable Home Loan
4.55% p.a.
4.56% p.a.
$0.00
4.55% p.a.
4.56% p.a.
$0.00
4.85% p.a.
4.86% p.a.
$0.00
Beyond Bank Low Rate Special Variable Home Loan
4.85% p.a.
4.86% p.a.
$0.00
4.85% p.a.
4.86% p.a.
$0.00
Mozo Review Beyond Bank Low Rate Special Variable Home Loan Review
Last updated: 31 August 2018.
What's hot:
Variable rates starting from 3.79% (3.79% comparison rate)
No ongoing fees
Free extra repayments and redraw facility
What's not:
$350 discharge fee
Mozo snapshot:
Beyond Bank goes beyond the norm with its Special Rate Variable Home Loan that offers enticing variable rates from 3.79% (3.79% comparison rate). There are no upfront or ongoing fees and plenty of flexible features like their free extra repayments and redraw facility that can help you pay off your loan earlier. However, ending the loan either by refinancing or paying it off will come with a $350 discharge fee.
Key features:
The Beyond Bank Low Rate Special Variable Home Loan has principal and interest options for both owner occupiers and investors. On top of this, investors will also be able to get an interest only home loan.
If you borrow up to 80% of the property's value for a loan between $150,000-$2,000,000, you may be eligible for Beyond Bank's super low 3.79% variable interest rate (3.79% comparison rate) on its Special Rate Variable Home Loan. The special rate is available to first home buyers and owner occupiers that make principal and interest repayments.
With the Special Rate Variable Home Loan you'll receive a great range of features, including a 100% offset account, extra repayments and a redraw facility (min $500 redraw).
And what makes the Special Rate Variable Home Loan a true winner is the lack of fees, as there's ongoing fees, no upfront fees and no valuation fee. Just make sure you budget for the $350 discharge fee that you'll have to pay at the end of the home loan period.
Tech-savvy? Then apply online and Beyond Bank promises a quick response within 2 hours (between 7am to 10pm weekdays and 9am to 10pm on weekends).
Who it's good for:
Owner occupiers looking for a special low variable rate of 3.79% (3.79 comparison rate) with no upfront or ongoing fees, free online redraw, free offset account and unlimited additional repayments.
Any catches?
Keep in mind, the special rate of 3.73% is only available for owner occupier, principal and interest loans up to 80% LVR. Owner occupier, principal and interest loans with LVR's between 80% and 90% come with a 4.35% interest rate (4.36 comparison rate).
Details
Rates and fees information correct as at 17 October 2018.
Rates
-
3.79% p.a.
-
n/a
-
0 Months
-
none
-
3.79% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
none
-
$0.00
-
$350.00
Other financial bits
-
$150,000
-
none
-
none
-
80.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$500.00
-
no
-
yes
-
none
-
none
Details
Rates and fees information correct as at 17 October 2018.
Rates
-
4.35% p.a.
-
n/a
-
0 Months
-
none
-
4.36% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
none
-
$0.00
-
$350.00
Other financial bits
-
$150,000
-
none
-
80.00%
-
90.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$500.00
-
no
-
yes
-
none
-
none
Details
Rates and fees information correct as at 17 October 2018.
Rates
-
4.55% p.a.
-
n/a
-
0 Months
-
none
-
4.56% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
none
-
$0.00
-
$350.00
Other financial bits
-
$150,000
-
$2,000,000
-
none
-
90.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$500.00
-
yes
-
yes
-
none
-
none
Details
Rates and fees information correct as at 17 October 2018.
Rates
-
4.85% p.a.
-
n/a
-
0 Months
-
none
-
4.86% p.a.
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
-
n/a
Fees
-
$0.00
-
$0.00
-
$0.00
-
$0.00
-
none
-
$0.00
-
$350.00
Other financial bits
-
$150,000
-
none
-
none
-
80.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
yes
-
yes - free
-
$500.00
-
yes
-
yes
-
none
-
none
Customer Reviews
How are Beyond Bank home loans rated by the Mozo community?
Latest reviews of Beyond Bank Low Rate Special Variable Home Loan
- Overall8/10
Tailored to your needs, Honest and competitive
Great people. Always ready to listen.
Read full review
Great people. Always ready to listen.
Price8/10Features6/10Customer service8/10Convenience6/10Trust7/10Less
Victoria | New South Wales
reviewed over 2 years ago
- Overall10/10
Pleasing
Always nice & helpful.
Read full review
Always nice & helpful.
Price5/10Features5/10Customer service10/10Convenience5/10Trust10/10Less
Michelle | New South Wales
reviewed over 3 years ago
- Overall0/10
You will receive an initial response within 2hours
"You will receive an initial response within 2 hours" and the summary of application states that...
Read full review
"You will receive an initial response within 2 hours" and the summary of application states that will receive response in 2 days. Are these true? Of course not. If you can't do it, don't print it on website. You're running business, not jokes. Maybe the lending reps are too busy? 10 days since I lodged special home loan rate 4.59% application online, no one contacted me about the status of application. Well, I cancelled the application.
Price8/10Features7/10Customer service0/10Convenience0/10Trust0/10Less
Howard | Victoria
reviewed over 3 years ago
- Overall10/10
Great customer service and great rates too
Beyond Banks is beyond helpful - they are almost like friends!
Read full review
Beyond Banks is beyond helpful - they are almost like friends!
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Elizabeth | South Australia
reviewed over 4 years ago
- Overall9/10
Rates good and staff pleasant
Flexible and easy to understand. Staff friendly and efficient
Read full review
Flexible and easy to understand. Staff friendly and efficient
Price9/10Features9/10Customer service9/10Convenience8/10Trust9/10Less
Greg | South Australia
reviewed over 6 years ago
About Beyond Bank
Beyond Bank, formerly Community CPS, is one of Australia's largest customer owned banks. Based in South Australia, Beyond Bank operates more than 46 branches across the country. Beyond Bank offers a wide range of banking and financial products including home loans, credit cards, savings accounts, term deposits, bank and and business accounts, and personal loans. The winning combination of great products and local service has helped Beyond Bank win many industry awards, including Best Credit Union in the Mozo People's Choice Awards 2012.
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