Beyond Bank

Beyond Bank Australia is the trading name of Community CPS Australia. Prior to becoming  a customer owned bank in 2013, Community CPS Australia was one of Australia's largest credit unions. Over the years a number of likeminded organisations have joined Beyond Bank including Country First Credit Union, Alliance One, Wagga Mutual Credit Union, Companion Credit Union, United Community Credit Union, Eastwoods Financial Planning and Universal Financial Planning.

We have a proud history of supporting customers and local communities. Being customer owned, we are driven by our values and aim to be the best bank for our customers and their communities.

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Important Information

Not all providers in the market are included in the comparison.

Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs.

Please note that due to recent changes by numerous lenders, some rates may be slightly incorrect. We shall have this resolved shortly.

Comparison Rate is based on all fees, charges and interest over the term of a standard loan of $150,000 for 25 year.

Beyond Bank Home Loans Loan Type Initial Rate Comparison Rate  
Beyond Bank
Beyond Bank
3 Years Fixed 3.94% 4.81%  
  • Revert Rate: 3.94%
  • Maximum LVR: 80.00%
  • Monthly Payment: $787
  • Total Cost: $96,063
  • Total Interest: $86,038
  • Total Fees: $10,025
  • Upfront Fee: $150
  • Annual Fee: $395
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
2 Years Fixed 3.94% 4.86%  
  • Revert Rate: 3.94%
  • Maximum LVR: 80.00%
  • Monthly Payment: $787
  • Total Cost: $96,063
  • Total Interest: $86,038
  • Total Fees: $10,025
  • Upfront Fee: $150
  • Annual Fee: $395
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
3 Years Fixed 4.09% 4.62%  
  • Revert Rate: 4.80%
  • Maximum LVR: 95.00%
  • Monthly Payment: $859
  • Total Cost: $107,999
  • Total Interest: $107,849
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
2 Years Fixed 4.09% 4.68%  
  • Revert Rate: 4.80%
  • Maximum LVR: 95.00%
  • Monthly Payment: $859
  • Total Cost: $107,999
  • Total Interest: $107,849
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
1 Year Fixed 4.24% 4.95%  
  • Revert Rate: 4.24%
  • Maximum LVR: 80.00%
  • Monthly Payment: $812
  • Total Cost: $103,555
  • Total Interest: $93,530
  • Total Fees: $10,025
  • Upfront Fee: $150
  • Annual Fee: $395
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Offset Account: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
3 Years Fixed 4.24% 5.09%  
  • Revert Rate: 4.24%
  • Maximum LVR: 80.00%
  • Monthly Payment: $812
  • Total Cost: $103,555
  • Total Interest: $93,530
  • Total Fees: $10,025
  • Upfront Fee: $150
  • Annual Fee: $395
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
2 Years Fixed 4.24% 5.15%  
  • Revert Rate: 4.24%
  • Maximum LVR: 80.00%
  • Monthly Payment: $812
  • Total Cost: $103,555
  • Total Interest: $93,530
  • Total Fees: $10,025
  • Upfront Fee: $150
  • Annual Fee: $395
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
3 Years Fixed 4.34% 4.90%  
  • Revert Rate: 5.09%
  • Maximum LVR: 95.00%
  • Monthly Payment: $885
  • Total Cost: $115,581
  • Total Interest: $115,431
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
2 Years Fixed 4.34% 4.96%  
  • Revert Rate: 5.09%
  • Maximum LVR: 95.00%
  • Monthly Payment: $885
  • Total Cost: $115,581
  • Total Interest: $115,431
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
3 Years Fixed 4.39% 4.77%  
  • Revert Rate: 4.80%
  • Maximum LVR: 95.00%
  • Monthly Payment: $859
  • Total Cost: $107,999
  • Total Interest: $107,849
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Offset Account: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
4 Years Fixed 4.49% 4.94%  
  • Revert Rate: 4.49%
  • Maximum LVR: 80.00%
  • Monthly Payment: $833
  • Total Cost: $109,894
  • Total Interest: $99,869
  • Total Fees: $10,025
  • Upfront Fee: $150
  • Annual Fee: $395
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
5 Years Fixed 4.49% 4.94%  
  • Revert Rate: 4.49%
  • Maximum LVR: 80.00%
  • Monthly Payment: $833
  • Total Cost: $109,894
  • Total Interest: $99,869
  • Total Fees: $10,025
  • Upfront Fee: $150
  • Annual Fee: $395
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
1 Year Fixed 4.54% 5.23%  
  • Revert Rate: 4.54%
  • Maximum LVR: 80.00%
  • Monthly Payment: $837
  • Total Cost: $111,172
  • Total Interest: $101,147
  • Total Fees: $10,025
  • Upfront Fee: $150
  • Annual Fee: $395
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Offset Account: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
5 Years Fixed 4.64% 4.74%  
  • Revert Rate: 4.80%
  • Maximum LVR: 95.00%
  • Monthly Payment: $859
  • Total Cost: $107,999
  • Total Interest: $107,849
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
4 Years Fixed 4.64% 4.75%  
  • Revert Rate: 4.80%
  • Maximum LVR: 95.00%
  • Monthly Payment: $859
  • Total Cost: $107,999
  • Total Interest: $107,849
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
1 Year Fixed 4.64% 5.06%  
  • Revert Rate: 5.09%
  • Maximum LVR: 95.00%
  • Monthly Payment: $885
  • Total Cost: $115,581
  • Total Interest: $115,431
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Offset Account: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
5 Years Fixed 4.79% 5.22%  
  • Revert Rate: 4.79%
  • Maximum LVR: 80.00%
  • Monthly Payment: $859
  • Total Cost: $117,614
  • Total Interest: $107,589
  • Total Fees: $10,025
  • Upfront Fee: $150
  • Annual Fee: $395
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
4 Years Fixed 4.79% 5.23%  
  • Revert Rate: 4.79%
  • Maximum LVR: 80.00%
  • Monthly Payment: $859
  • Total Cost: $117,614
  • Total Interest: $107,589
  • Total Fees: $10,025
  • Upfront Fee: $150
  • Annual Fee: $395
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
Variable 4.80% 4.81%  
  • Revert Rate: 4.80%
  • Maximum LVR: 95.00%
  • Monthly Payment: $859
  • Total Cost: $107,999
  • Total Interest: $107,849
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Offset Account: Yes
  • Owner Occupier: Yes
Beyond Bank
Beyond Bank
5 Years Fixed 4.89% 5.02%  
  • Revert Rate: 5.09%
  • Maximum LVR: 95.00%
  • Monthly Payment: $885
  • Total Cost: $115,581
  • Total Interest: $115,431
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
4 Years Fixed 4.89% 5.03%  
  • Revert Rate: 5.09%
  • Maximum LVR: 95.00%
  • Monthly Payment: $885
  • Total Cost: $115,581
  • Total Interest: $115,431
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
2 Years Fixed 4.99% 5.62%  
  • Revert Rate: 5.59%
  • Maximum LVR: 80.00%
  • Monthly Payment: $929
  • Total Cost: $129,508
  • Total Interest: $128,763
  • Total Fees: $745
  • Upfront Fee: $745
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
3 Years Fixed 4.99% 5.62%  
  • Revert Rate: 5.59%
  • Maximum LVR: 80.00%
  • Monthly Payment: $929
  • Total Cost: $129,508
  • Total Interest: $128,763
  • Total Fees: $745
  • Upfront Fee: $745
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
Variable 5.09% 5.10%  
  • Revert Rate: 5.09%
  • Maximum LVR: 95.00%
  • Monthly Payment: $885
  • Total Cost: $115,581
  • Total Interest: $115,431
  • Total Fees: $150
  • Upfront Fee: $150
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Offset Account: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
1 Year Fixed 5.19% 5.62%  
  • Revert Rate: 5.59%
  • Maximum LVR: 80.00%
  • Monthly Payment: $929
  • Total Cost: $129,508
  • Total Interest: $128,763
  • Total Fees: $745
  • Upfront Fee: $745
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
4 Years Fixed 5.44% 5.62%  
  • Revert Rate: 5.59%
  • Maximum LVR: 80.00%
  • Monthly Payment: $929
  • Total Cost: $129,508
  • Total Interest: $128,763
  • Total Fees: $745
  • Upfront Fee: $745
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
5 Years Fixed 5.44% 5.62%  
  • Revert Rate: 5.59%
  • Maximum LVR: 80.00%
  • Monthly Payment: $929
  • Total Cost: $129,508
  • Total Interest: $128,763
  • Total Fees: $745
  • Upfront Fee: $745
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes
Beyond Bank
Beyond Bank
Variable 5.59% 5.62%  
  • Revert Rate: 5.59%
  • Maximum LVR: 80.00%
  • Monthly Payment: $929
  • Total Cost: $129,508
  • Total Interest: $128,763
  • Total Fees: $745
  • Upfront Fee: $745
  • Extra Repayments: Yes
  • Redraw Facility: Yes
  • Interest Only Payments: Yes
  • Investment: Yes