Owner Occupied | Principal & Interest | Without offset
Manage your home loan the way you want with our low-interest rate variable home loan. It’s never been easier to select a home loan that works for you.
You’ll have unlimited repayments and unlimited redraws, with the option to add an offset3 account to the loan. You also have the option to split this loan with one of our low fixed-rate loans.
Whether you’re buying your first home, a new home or looking to refinance to a better rate, we’re here to help you save.
Flexible repayment options
Weekly, fortnightly or monthly repayments, with no limit on extra repayments and instant access to your redraw or offset account via online banking.
Optional Offset for 0.10%
Add an offset account to your loan for 0.10% to help you pay it off faster. With an offset account you have online, ATM and Visa Debit card access to your money.
No establishment, monthly or ongoing fees
You could save thousands over the course of your loan.
24/7 Access
Access your information when you want, where you want with our online banking and mobile banking app. Keep track of your account balances, transfer money or pay bills.
| Principal & Interest | Interest Only | |||
| Interest rate | Comparison rate | Interest rate | Comparison rate | |
| Advantage Home Loan (without offset) |
6.49% p.a. | 6.54% p.a. | 6.49% p.a. | 6.53% p.a. |
| Advantage Home Loan (with offset) |
6.59% p.a. | 6.64% p.a. | 6.59% p.a. | 6.63% p.a. |
| Features | |
| Minimum loan amount | No minimum |
| Maximum LVR | 80% (dependant on loan purpose and security offered) |
| Maximum LVR with Lender Mortgage Insurance | 95% (subject to approval)2 |
| Get Ahead Start Guarantor (borrow up to 100% LVR) | Yes |
| Maximum loan term | 30 years |
| Interest calculation | calculated daily, charged monthly |
| Repayment type | Principal & Interest or Interest Only |
| Repayment frequency | Principal & Interest :- weekly, fortnightly or monthly; Interest Only :- monthly |
| Establishment fee | $0 |
| Monthly loan fee | $0 |
| Extra repayments | Unlimited |
| Interest offset | Yes3 |
| Redraw | Yes4 |
| Loan preparation fees | At cost |
| Increase/top up | Yes |
Whether you need help with budgeting, financing, or understanding the home buying process, we are here to help you with every step of the way and make informed decisions. Submit your enquiry now and take the first step towards your dream home.
"We were very pleased with the speed and personalised service we received from the team at Unity Bank in helping us purchase our first home. We also found their products to be very competitive. Unity Bank has more of a family feel to it than a corporation. We have already recommended them to others, as we are very happy with them."
Emanuel, Member
For more related frequently asked questions, visit our FAQs page.
2 Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR).
3 An offset account is optional. The inclusion of an offset account increases the home loan interest rate by 0.10%.
4 Minimum redraw amount of $100 applies.
Eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate is subject to change.
