Beyond Bank 100% Offset Variable Loan Min. $400,000, up to 70% LVR: Owner-Occ 5.49% p.a. (CR 5.85%), Inv. 5.69% p.a. (CR 6.05%)

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AssociatedObtain Finance @ Obtain Finance on 09/07/2025 - 21:51 beyondbank.com.au (171 clicks)
Last edited 25/05/2026 - 11:20 by 1 other user

Hi OzBargainers! Looking for a discounted variable-rate home loan with waived fees? Check out Beyond Bank’s Total Home Loan.

🏦 Total Home Loan Package – Special Offer

Owner-Occupied Variable Rate: 5.49% p.a.

Investment Variable Rate: 5.69% p.a.

Comparison Rate: 5.85% p.a. (owner-occupied) / 6.05% p.a. (investment)¹

Application fee: $0

Monthly package fee: $0 for the first year (save $395)

LVR: up to 70%

Minimum loan size: $400,000

Key features:
– Unlimited extra repayments at no charge
– 100% offset account to reduce interest costs (variable loans only)
– Redraw facility on any extra repayments

📞 Ready to Compare?
• Book a no-obligation consult: https://calendly.com/obtainfinance
• Email: michael@obtainfinance.com.au

Speak to us about broker cash back

¹Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING: Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

General Advice Warning
The information in this post is of a general nature only. It does not take into account your personal objectives, financial situation or needs. You should consider seeking your own independent advice before acting on any information in this post.

Michael Short (Trading as Obtain Finance)
Credit Representative Number 434339 (ACL 384324)
View our Privacy Policy: https://obtainfinance.com.au/privacy-policy

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• 

  McMaferMur on 09/07/2025 - 21:54

  no cashback? then no deal….

  • 6
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  Wiadro on 09/07/2025 - 21:58

  Monthly package fee: $0 for the first year (save $395)

  such a scam fee

  • 10
  • 

    Yrgnuh on 09/07/2025 - 22:29

    T1 bank fee from T3 bank yaw

    • 2
    • 

      Wiadro on 09/07/2025 - 22:35

      still dont understand why you would take this offer, when unloan is cheaper and easier.
      it doesnt have offset but instant redraw withdrawl if you need is practically the same

      • 0
      • 

        Kongzi on 09/07/2025 - 23:35

        Big difference. Offset is important if don't actually want to pay off the loan for tax or investment purposes

        • 2
        • 

          Wiadro on 09/07/2025 - 23:55

          @Kongzi: For businesses yes, but for an individual no.

          • -5
      • 

        aleayr on 10/07/2025 - 08:34

        Or Up bank - virtually the same starting interest rate (5.5%, albeit doesn't from 0.01% each year), and free offset. Also no discharge fees for later.

        EDIT: Also Wiadro, you're not correct about the offset not being of benefit to individuals. Offsets are vitally important to maximise the deductible interest for investment loans for individuals. If you have a $100,000 loan, but only a redraw facility, if you put $20,000 in, it actually reduces the loan amount to $80,000. If you redraw that, in the ATOs rulings, you can only still deduct interest for the $80,000 unless you explicitly use that $20,000 redrawn for another investment purpose.

        With an offset, if you have $100,000 loan, and you put $20,000 in the offset - when you withdraw that money, the ATO has ruled that because the loan itself wasn't reduced, interest is deducible at the full $100,000 loan amount.

        Redraws actually can cause massive issues in working out what interest is deducible once you start putting money in and taking it out, starts getting very complex to track.

        • 1
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  Mkak on 09/07/2025 - 22:07

  Looking for a 6 month loan before refinance. Any negatives of doing this. Lookinh at sellling investment December/ January

  • 0
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  mickmac on 09/07/2025 - 23:26

  Package fee? What package?

  No deal here, sorry.

  • 1
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  Igaf on 09/07/2025 - 23:33

  What's your commission?

  • 2
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  Caring on 10/07/2025 - 06:43

  No Deal. Standard variable rate and offset that my bank already has

  • 1
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  Lucille Bluth on 10/07/2025 - 15:29

  This isn't a competitive offer.

  E.g. Up Bank 5.5% CR. With free offset AND redraw facility. No ongoing annual package fee. Beyond bank is 5.85% CR.

  • 0