Rates and fees verified as correct at 9 August 2022. Other information correct at the time of writing. Advertiser disclosure.
| Product | Fixed 3 year rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments |
|---|---|---|---|---|---|
|
6.29% p.a. |
5.80% p.a. |
$0.00 |
$1,223 |
||
|
6.29% p.a. |
5.80% p.a. |
$0.00 |
$1,223 |
||
|
6.14% p.a. |
5.01% p.a. |
$0.00 |
$923 |
||
|
6.14% p.a. |
5.01% p.a. |
$0.00 |
$923 |
||
|
6.84% p.a. |
6.25% p.a. |
$0.00 |
$1,223 |
||
|
6.54% p.a. |
6.17% p.a. |
$0.00 |
$1,223 |
||
|
6.69% p.a. |
5.46% p.a. |
$0.00 |
$923 |
||
|
6.39% p.a. |
5.37% p.a. |
$0.00 |
$923 |
For more flexible, feature-rich home loans, one of Unity Bank's variable rate offers may be the match for you. Owner occupiers and investors will be able to choose between the All in One Home Loan or the First Rate Home Loan - both of which are available with a minimum deposit of 5%. With features like unlimited free extra repayments, access to a redraw facility (minimum applies), the opportunity to take a repayment holiday and an offset account, the All in One loan is likely to suit borrowers who can make use of a full feature home loan, whereas the First Rate Home Loan could be a better pick for those looking for a mixture of features and a lower interest rate. Both offers also come with a few one-off fees, though you can find out more about those and all the details of each loan by checking out the linked reviews in the table below.
| Product | Rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments |
|---|---|---|---|---|---|
|
4.64% p.a. |
4.71% p.a. |
$0.00 |
$923 |
||
|
3.64% p.a. |
3.71% p.a. |
$0.00 |
$923 |
||
|
4.24% p.a. |
4.31% p.a. |
$0.00 |
$923 |
||
|
3.54% p.a. |
3.61% p.a. |
$0.00 |
$923 |
||
|
4.24% p.a. |
4.31% p.a. |
$0.00 |
$923 |
||
|
4.84% p.a. |
4.91% p.a. |
$0.00 |
$923 |
||
|
5.24% p.a. |
5.31% p.a. |
$0.00 |
$923 |
||
|
4.14% p.a. |
4.21% p.a. |
$0.00 |
$923 |
||
|
3.94% p.a. |
4.01% p.a. |
$0.00 |
$923 |
||
|
4.54% p.a. |
4.61% p.a. |
$0.00 |
$923 |
||
|
4.94% p.a. |
5.01% p.a. |
$0.00 |
$923 |
||
|
3.84% p.a. |
3.91% p.a. |
$0.00 |
$923 |
| Product | Fixed 3 year rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments |
|---|---|---|---|---|---|
|
5.89% p.a. |
4.67% p.a. |
$0.00 |
$0 |
||
|
5.89% p.a. |
4.69% p.a. |
$0.00 |
$0 |
If you want all the benefits of a variable rate home loan combined with great bundling perks, check out the Unity Bank's All in One Home Loan (Package). You can borrow up to 95% of the property’s value, plus have the option of making unlimited free extra repayments. You’ll also have the chance to take a repayment holiday, use the redraw facility (minimum redraw applies) and make use of an offset account. On top of that, you'll be able to snag a number of extra perks from Unity Bank including credit card fee waivers, car and personal loan discounts and insurance rebates. Just don’t forget to consider the legal, valuation and settlement fees as well as the $350 yearly service fee.
| Product | Rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments |
|---|---|---|---|---|---|
|
3.54% p.a. |
4.73% p.a. |
$299.00 yearly |
$923 |
||
|
4.14% p.a. |
4.79% p.a. |
$299.00 yearly |
$923 |
||
|
4.54% p.a. |
4.83% p.a. |
$299.00 yearly |
$923 |
||
|
3.44% p.a. |
3.72% p.a. |
$299.00 yearly |
$923 |
||
|
3.54% p.a. |
3.91% p.a. |
$299.00 yearly |
$923 |
||
|
4.14% p.a. |
4.50% p.a. |
$299.00 yearly |
$923 |
||
|
4.54% p.a. |
4.90% p.a. |
$299.00 yearly |
$923 |
||
|
3.44% p.a. |
3.81% p.a. |
$299.00 yearly |
$923 |
||
|
3.89% p.a. |
4.15% p.a. |
$0.00 |
$0 |
||
|
3.19% p.a. |
4.14% p.a. |
$0.00 |
$0 |
||
|
3.89% p.a. |
3.90% p.a. |
$0.00 |
$0 |
||
|
3.19% p.a. |
3.20% p.a. |
$0.00 |
$0 |
||
|
3.29% p.a. |
4.21% p.a. |
$0.00 |
$0 |
||
|
4.29% p.a. |
4.24% p.a. |
$0.00 |
$0 |
||
|
3.29% p.a. |
3.30% p.a. |
$0.00 |
$0 |
||
|
4.29% p.a. |
4.30% p.a. |
$0.00 |
$0 |
||
|
4.14% p.a. |
4.50% p.a. |
$299.00 yearly |
$923 |
||
|
4.74% p.a. |
5.09% p.a. |
$299.00 yearly |
$923 |
||
|
5.14% p.a. |
5.49% p.a. |
$299.00 yearly |
$923 |
||
|
4.04% p.a. |
4.40% p.a. |
$299.00 yearly |
$923 |
||
|
3.84% p.a. |
4.21% p.a. |
$299.00 yearly |
$923 |
||
|
4.44% p.a. |
4.80% p.a. |
$299.00 yearly |
$923 |
||
|
4.84% p.a. |
5.19% p.a. |
$299.00 yearly |
$923 |
||
|
3.74% p.a. |
4.11% p.a. |
$299.00 yearly |
$923 |
Want to pay off your Unity Bank home loan faster? The good news is that you'll be able to make extra repayments towards your loan with most of Unity Bank's fixed and variable rate loans, though there are caps involved with the fixed loan.
Find that you need some of those extra funds you've contributed towards your loan back? No worries, because you'll be able to make use of the redraw facility which comes with most Unity bank home loans. Just remember that a $100 minimum redraw amount generally applies, and there may be fees involved.
Choose the Unity Bank's variable rate package home loan and get your hands on some great additional perks, including an annual fee free credit card, discounts on personal and car loans, as well as insurance rebates.
Mozo users have rated Unity Bank home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
13 Reviews
Great bank to deal with, great staff and customer service.
Read full reviewGreat bank to deal with, great staff and customer service.
Communication is easy, response time is A+ .
Read full reviewCommunication is easy, response time is A+ .
It would be more convenient if their only branch in Melbourne was open for longer hours and/or on Saturday mornings for people who work 9-5. Customer service is great, and the fees/interest rates are hard to beat.
Read full reviewIt would be more convenient if their only branch in Melbourne was open for longer hours and/or on Saturday mornings for people who work 9-5. Customer service is great, and the fees/interest rates are hard to beat.
We r currently new house owner and any help will go a long way. I will recommend this site to all friends
Read full reviewWe r currently new house owner and any help will go a long way. I will recommend this site to all friends
When you apply for a Unity Bank home loan, you’ll likely need to provide a range of financial and personal information about yourself including:
You’ll also need to apply to become a member and pay a small membership fee before securing your home loan, so don’t forget to have your identification handy.