Rates and fees verified as correct at 19 January, 2021. Other information correct at the time of writing. Advertiser disclosure.
| Product | Fixed 3 year rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 3.33% p.a. | 4.05% p.a. | $0.00 | $500 | ||
| 2.24% p.a. | 3.77% p.a. | $0.00 | $500 | ||
| 3.09% p.a. | 4.63% p.a. | $0.00 | $500 | ||
| 2.69% p.a. | 4.16% p.a. | $0.00 | $500 |
For a flexible, full feature home loan, check out the variable rate offer from Unity Bank. You can borrow up to 95% of the property’s value, starting from $30,000, but keep in mind that you’ll need to budget for legal, valuation and settlement fees. In terms of features, you’ll have the chance to make unlimited free extra repayments, access to a free redraw facility (minimum applies), the opportunity to take a repayment holiday and on some options, the use of an offset account.
| Product | Rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 4.41% p.a. | 4.43% p.a. | $0.00 | $200 | ||
| 4.41% p.a. | 4.43% p.a. | $0.00 | $200 | ||
| 2.85% p.a.variable for 24 months and then 4.41% p.a. | 4.15% p.a. | $0.00 | $200 | ||
| 4.25% p.a. | 4.33% p.a. | $0.00 | $1,153 | ||
| 2.99% p.a. | 3.07% p.a. | $0.00 | $1,153 | ||
| 2.69% p.a. | 2.77% p.a. | $0.00 | $1,153 | ||
| 5.30% p.a. | 5.32% p.a. | $0.00 | $200 | ||
| 4.79% p.a. | 4.81% p.a. | $0.00 | $200 | ||
| 3.99% p.a.variable for 24 months and then 5.30% p.a. | 5.07% p.a. | $0.00 | $200 | ||
| 3.54% p.a.variable for 24 months and then 4.79% p.a. | 4.58% p.a. | $0.00 | $200 | ||
| 5.14% p.a. | 5.22% p.a. | $0.00 | $1,153 | ||
| 4.63% p.a. | 4.71% p.a. | $0.00 | $1,153 | ||
| 3.54% p.a. | 3.62% p.a. | $0.00 | $1,153 | ||
| 3.33% p.a. | 3.41% p.a. | $0.00 | $1,153 |
If you want all the benefits of a variable rate home loan combined with great bundling perks, check out the variable rate package home loan from Unity Bank. You can borrow up to 95% of the property’s value, plus have the option to make unlimited free extra repayments. You’ll also have the chance to take a repayment holiday, use the free redraw facility (minimum applies) and make use of an offset account. On top of that, snag a credit card with no annual fee and discounts on car and personal loans when you combine them with your home loan. Just don’t forget to consider the legal, valuation, settlement and yearly service fees.
| Product | Rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 3.30% p.a. | 3.68% p.a. | $350.00 yearly | $200 | ||
| 3.35% p.a. | 3.73% p.a. | $350.00 yearly | $200 | ||
| 3.45% p.a. | 3.83% p.a. | $350.00 yearly | $200 | ||
| 4.55% p.a. | 4.91% p.a. | $350.00 yearly | $200 | ||
| 4.60% p.a. | 4.96% p.a. | $350.00 yearly | $200 | ||
| 4.70% p.a. | 5.06% p.a. | $350.00 yearly | $200 | ||
| 4.05% p.a. | 4.42% p.a. | $350.00 yearly | $200 | ||
| 4.10% p.a. | 4.47% p.a. | $350.00 yearly | $200 | ||
| 4.20% p.a. | 4.56% p.a. | $350.00 yearly | $200 |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.
Make unlimited free extra repayments to pay off your Unity Bank home loan quicker.
Find that you need some of those extra funds back? You can make use of the free redraw facility, just remember that a minimum redraw amount applies.
Choose the variable rate package home loan and get your hands on some great bonuses, including an annual fee free credit card and discounts on personal and car loans.
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 need to provide information about:
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 bring your I.D.
