Offering everything you need to purchase an investment property. Enjoy the flexibility of splitting your loan whether it be fixed or variable rate, choice of repayment options, redraw advanced funds or obtain pre-approval.
Category: Home Loans Last Updated October 8, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information Total Home Loan Package Investment Loan, principal & interest, LVR <=60% & a minimum loan amount of $50,000. Conditions apply.
Interest Rate 6.24% PA
Comparison Rate 6.59%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
INVESTMENT, FIXED, 6.39%
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 8.00%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.39%
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 7.86%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.49%
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 8.38%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.49%
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 7.76%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.49%
Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 7.65%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.59%
Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.18%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.59%
Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.04%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.59%
Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.23%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.59%
Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 8.08%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.69%
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 7.94%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.69%
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 7.99%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 6.69%
Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 7.87%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 7.04%
Lending Rate Type: Fixed
Interest Rate: 7.04%, Comparison Rate 7.97%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, FIXED, 7.04%
Lending Rate Type: Fixed
Interest Rate: 7.04%, Comparison Rate 7.90%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.24%
Lending Rate Type: Variable
Interest Rate: 6.24%, Comparison Rate 6.59%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.34%
Lending Rate Type: Variable
Interest Rate: 6.34%, Comparison Rate 6.69%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.54%
Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.89%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.74%
Lending Rate Type: Variable
Interest Rate: 6.74%, Comparison Rate 7.09%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 6.74%
Lending Rate Type: Variable
Interest Rate: 6.74%, Comparison Rate 7.09%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 8.00%
Lending Rate Type: Variable
Interest Rate: 8.00%, Comparison Rate 8.33%
Repayment Type: Principal And Interest
Loan Purpose: Investment
INVESTMENT, VARIABLE, 8.25%
Lending Rate Type: Variable
Interest Rate: 8.25%, Comparison Rate 8.58%
Repayment Type: Principal And Interest
Loan Purpose: Investment
Product Features
Complementary Product Discounts
Digital BankingAdditional Information: Access your money 24/7 through Internet Banking, Telephone Banking or Mobile Banking services.
OffsetAdditional Information: Offset optional: Multiple 100% Mortgage Offset Accounts can be linked to the Variable rate. The balance in this account reduces the interest you pay on your mortgage. A minimum $500 balance must be retained in the Offset Account to receive the benefit.
OtherAdditional Information: Pre-Approval: 120 day pre-approval so you can search with confidence.
OtherAdditional Information: Additional Repayments: make unlimited additional repayments to your loan when on a variable interest rate; or make up to $25,000 p.a. in additional repayments to your loan when in a fixed rate.
RedrawAdditional Information: Redraw payments made in advance at any time through Internet & Mobile Banking free. Minimum redraw amount is $500.
Product Eligibility
Employment Status - Lending Criteria, Requirements And Terms And Conditions Apply.
Min Age - 18. Additional Information: Available for customers aged 18 years and over
Natural Person
OtherAdditional Information: Membership: You must be or become a Beyond Bank Australia member.
OtherAdditional Information: Investment loans available for Parent Equity, Land Rent Scheme loans (ACT only) or Construction loans. Conditions apply.
OtherAdditional Information: Eligibility: available to new loan applications and to existing borrowers who increase their loan amount by a minimum of $50,000. Conditions apply.
Residency Status - Australian Citizen. Additional Information: Must be an Australian citizen, permanent Australian resident or hold a Visa. If a Visa holder's income is relied upon to determine serviceability, the term of the Visa must exceed the term of the loan.
Bank Fees and Charges
Total Home Loan Package Fee (Periodic), Amount: 395.00. Additional Information: This fee is payable by home loan borrowers who have a Total Home Loan Package. The fee is charged annually.
Reg Of Production Fee - Wa (Upfront), Amount: 105.15.
Mortgage Loan Establishment Fee (Upfront), Amount: 445.00. Additional Information: This fee is payable on establishment of the loan.
Mortgage Discharge, Settlement Or Partial Discharge Fee (Event), Amount: 350.00. Additional Information: Payable whenever a mortgage is discharged or partially discharged
Loan Variation Documentation Fee (Upfront), Amount: 345.00. Additional Information: This fee is payable when a property already held by us as security is to be used as security for additional credit.
Redraw (staff-assisted) Fee (Transaction), Amount: 35.00. Additional Information: This fee is payable for each staff-assisted redraw.
Redraw (online) Fee (Transaction), Amount: 0.00. Additional Information: Online redraw via Internet or Mobile Banking is free.
Default Notice Fee (Event), Amount: 20.00. Additional Information: This fee is payable whenever we send you a default notice because you have defaulted under the contract or related mortgage.
Reg Of Transfer Fee - Act (Upfront), Amount: 463.00.
Hold Fixed Interest Rate (Upfront), Amount: Not Listed.. Additional Information: The amount of this fee is 0.15% of the loan amount and is payable should you wish to hold a fixed interest rate from time of loan application to settlement.
Rate Variation Fee (Event), Amount: 150.00. Additional Information: This fee is payable each time you ask us to vary the type of interest rate (variable to fixed or vice versa) or refix your loan.
Reg Of Mortgage Fee - Wa (Upfront), Amount: 210.30.
Reg Of Discharge Fee - Wa (Upfront), Amount: 210.30.
Mortgage Loan Settlement Fee (a) (Upfront), Amount: 200.00. Additional Information: This fee is payable for a new loan settled.
Mortgage Loan Settlement Fee (b) (Upfront), Amount: 150.00. Additional Information: This fee is payable for each loan variation or top up settled.
Reg Of Mortgage Fee - Nsw (Upfront), Amount: 171.70.
Reg Of Transfer Fee - Nsw (Upfront), Amount: 171.70.
Reg Of Production Fee - Nsw (Upfront), Amount: 52.90.
Progress Payment Fee (Upfront), Amount: 20.00. Additional Information: This fee applies to loans for construction purposes and is payable per progress payment we process.
Security Handling Fee (Upfront), Amount: 150.00. Additional Information: This fee is payable if you ask us to prepare documentation to note a change of your name on the title, or produce your land title.
Additional Security Fee (Upfront), Amount: 150.00. Additional Information: This fee is payable when we prepare any security in addition to the mortgage over the primary mortgaged property.
Search Fee (Upfront), Amount: 35.00. Additional Information: This fee is payable for each search we conduct in relation to a loan or security.
Default Fee On Home And Investment Loan - On The 8th Day (Event), Amount: 20.00. Additional Information: This fee is payable on the 8th day you are in default.
Default Fee On Home And Investment Loan - Every 14th Day Thereafter (Event), Amount: 25.00. Additional Information: This fee is payable every 14th day thereafter for so long as you remain in default.
Limitations & Restrictions (Constraints)
Max Limit of 2000000.00 Additional Information: The maximum loan amount for each loan under the Total Home Loan Package is $2,000,000.
