3.83%p.a. & a $1000 Woolworths gift card!
Thinking of buying a home, or perhaps you are looking for more ways to save on your current home loan? Don’t settle. Go beyond.

Key features

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  • Special low 3.83%p.a. variable rate, 3.83% comparison^.
  • No upfront or ongoing fees.
  • Free online redraw, unlimited additional repayments.
  • 100% mortgage offset account (covered by the Commonwealth Guarantee on Deposit Funds).
  • Mozo’s Experts Choice Award Winner 2015.
  • $1000 Woolworths gift card exclusively available when you finance your Beyond Bank mortgage using Naritas*!

About Beyond Bank

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

  • Beyond Bank profits are used to benefit customers.
  • Beyond Bank offer award winning products and customer service.
  • Beyond Bank believe in doing more good with our products, practices and profits
  • Beyond Bank provide community investments, grants and sponsorships and along with our Foundation we have invested more than $15 million back into the community since 2007.
  • Beyond Bank provide community investments, grants and sponsorships and along with our Foundation we have invested more than $15 million back into the community since 2007.
  • Beyond Bank are the first Australian bank to become B-Corp certified.
Apply now for an obligation free quote or approval.

Indicative fees & charges

  • Application, documentation & settlement – $0
  • A valuation fee is payable. Standard valuation fee $353 (GST inclusive) for the first valuation/property only.
  • Other fees may apply for services including, among others, title and company searches, bank cheques,and express post, which are at cost.
  • Government fees & charges may apply (for example mortgage registration costs).

Why use Naritas Finance?

Fast and Secure

Market leading processes & technology powering the fastest approval times. Applications take less than 30 minutes.

24/7 Customer Support

Extended support hours & our leading edge customer service system providing access to advice & support when and where you need it.

Great Rates

Access to most of the best loans, with the cheapest rates from a huge variety of Australian lenders.

ASIC Regulated

All our credit advisors undergo strict background checks, maintain relevant qualifications and undergo regular bankruptcy and competency tests.

No Hidden Fees

All Naritas products and services are as advertised and have no hidden fees or charges.

Successful track record

A track record of successful outcomes for our clients that sees them return to us as opposed to going to the lender directly.

What our clients have to say about using Naritas

Apply now for an obligation free quote or approval.
Naritas Finance Cashback Terms & Conditions
  1. This offer is provided by Naritas Finance Pty Ltd ABN 74 096 341 061 of Level 1, 357 Military Road, Mosman, NSW, 2088 (“Naritas”).
  2. This offer commences 10 January 2017 and closes 10 March 2017 (“Offer Period”).
  3. This offer is open to Australian residents only.
  4. A Woolworths Wish gift card will be issued under the gift card offer (“Gift Card Offer”) will be given for residentially secured owner occupied home loans settled during the Offer Period subject to conditions 5 to 15 below.
  5. A borrower must refinance or purchase using Naritas to arrange a Beyond Bank Home Loan and must not be an existing Beyond Bank Home Loan customer. A borrower’s loan application in conjunction with this Gift Card Offer will be subject to Beyond Bank’s usual credit assessment and approval processes.
  6. The Gift Card Offer is $1,000 where the total loan financed, either jointly or individually with Beyond Bank is $350,000 or more.
  7. The initial loan application must be received during the Offer Period.
  8. The approved loan must be funded by 1 June 2017.
  9. A borrower is eligible for a Gift Card Offer only once during the Offer Period. Once a loan application that is eligible for a Gift Card Offer is received, no further loans which include that borrower, jointly or individually will be eligible for a Gift Card Offer.
  10. Fees and charges apply to loans taken out under this Gift Card Offer. Refer to the Beyond Bank Mortgage Loans Fees and Charges brochure.
  11. The Gift Card Offer will be issued to the nominated email address of the primary borrower after the settlement date. The Gift Card Offer will not be made to the borrower in “cash” (i.e. notes and/or coin) or cheque.
  12. A borrower cannot transfer or assign their right to the Gift Card Offer to any other person.
  13. Naritas accepts no responsibility for any tax implications that may arise from the Gift Card Offer. The borrower should seek their own independent advice in this regard.
  14. This offer is not available in conjunction with any other promotional offer Naritas has available including our ‘refer-a-contact’ promotion.
  15. Participation in the Gift Card Offer is deemed acceptance of these terms.
Beyond Bank Important Information:
  • Special Low Rate Variable Home Loan is only available to new loans or increases to existing loans when the minimum new borrowing amount is $150,000 and the LVR does not exceed 70% on selected eligible owner occupied home loan products. No package or other discounts will apply to the advertised rate. Offer available for a limited time only and may be withdrawn at anytime. Split loans, land rent loans, interest only loans, loans requiring multiple security, bridging & building loans are not eligible. Terms, conditions, fees, charges and normal lending criteria apply.
  • ^The comparison rate is calculated on a $150,000 loan with monthly repayments over a term of 25 years. WARNING: This 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.
  • All loans are provided by Beyond Bank Australia, a trading name of Community CPS Australia Ltd ABN 15 087 651 143 AFSL/ Australian Credit Licence 237 856. Terms, conditions, fees, charges and normal lending criteria apply. Interest rates are subject to change without notice.