Owner Occupied | Principal & Interest | Fixed 2 Years
The security of a fixed rate1, providing you with the certainty of knowing your home loan repayments won't change during the fixed rate period.
Our Get Ahead Start Guarantor option is available with this home loan product, which allows a family member to offer a suitable security property as part of the home loan to help you get started with your first home purchase.
| Fixed Rates | Principal & Interest | Interest Only | ||
| Interest Rate | Comparison Rate | Interest Rate | Comparison Rate | |
| 1 Year | 5.85% p.a. | 5.91% p.a. | 6.25% p.a. | 6.30% p.a. |
| 2 Year | 5.50% p.a. | 5.56% p.a. | 6.25% p.a. | 6.30% p.a. |
| 3 Year | 5.70% p.a. | 5.76% p.a. | 6.25% p.a. | 6.30% p.a. |
| 4 Year | 5.95% p.a. | 6.01% p.a. | 6.30% p.a. | 6.35% p.a. |
| 5 Year | 5.95% p.a. | 6.01% p.a. | 6.35% p.a. | 6.40% p.a. |
| Features | |
| Minimum loan amount | No minimum |
| Maximum LVR | 80% (dependant on loan purpose and security offered) |
| Maximum LVR with Lenders Mortgage Insurance | 95% (subject to approval)3 |
| Get Ahead Start Guarantor (borrow up to 100% LVR) | Yes |
| Maximum loan term | 30 years |
| Repayment Type | Principal & Interest or Interest Only |
| Repayment frequency | Principal & Interest: weekly, fortnightly or monthly; Interest Only: monthly |
| Interest charges | Calculated daily, charged monthly |
| Establishment fee | $500 |
| Monthly loan fee | $0 |
| Package fee | $0 |
| Extra repayments | Up to $10,000 per annum |
| Interest offset | No |
| Pre-approval | Yes |
| Loan preparation fees | At cost |
| Redraw | Yes4 |
| Second mortgage security | Yes |
| Vacant land as sole security | Yes |
| Increase/top up | Not during fixed period |
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.
3 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).
4 Minimum redraw amount of $100 applies.
Eligibility criteria, terms and conditions, fees and charges apply. Refer to interest rate schedule for full list of interest rates. All information including interest rate is subject to change.
