View all Owner Occupied Home Loans

• ¹ These rates are for secured loans only. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $10,000 to their existing Unity Bank home loan balance. Minimum loan amount $10,000. Existing home loan members do not need to add an additional $10,000 to switch to a new fixed loan. Maximum loan period 30 years. Interest rate calculated daily charged monthly. Loan to Value Ratio (LVR), is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank. Advantage LVR rates are effective till 31/03/2024 and are subject to change. Rates available for new business only.
• ² Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only. WARNING: These Comparison Rates are 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. Comparison rates for Variable Interest Only loans are based on an initial 5 year Interest only period. Comparison rates for Fixed Interest Only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. Interest rates are on a per annum basis.
• ³ Only available for First Home Buyers, Housing Australia and Shared Equity Home Buyer Helper. Minimum home loan balance $150,000. Not available for internal product switches. Top ups only available for Shared Equity Home Buyer Helper. Maximum loan period 30 years. Interest rate calculated daily charged monthly. Loan to Value Ratio (LVR), is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank.
• ⁴ These rates are for secured loans only. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $10,000 to their existing Unity Bank home loan balance. Minimum loan amount $150,000. Existing home loan members do not need to add an additional $10,000 to switch to a new fixed loan. Maximum loan period 30 years. Interest rate calculated daily charged monthly. Loan to Value Ratio (LVR), is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank.
• ⁵ These rates are for secured loans only. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $10,000 to their existing Unity Bank home loan balance. Minimum loan amount $10,000. Existing home loan members do not need to add an additional $10,000 to switch to a new fixed loan. Maximum loan period 30 years. Interest rate calculated daily charged monthly. After fixed period interest rate reverts to Advantage standard variable rate.
• ⁶ These rates are for secured loans only. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $10,000 to their existing Unity Bank home loan balance. Minimum loan amount $150,000. Existing home loan members do not need to add an additional $10,000 to switch to a new fixed loan. Maximum loan period 30 years. Interest rate calculated daily charged monthly. After fixed period interest rate reverts to Advantage Plus standard variable rate.
• ⁷ Only available for First Home Buyers, Housing Australia and Shared Equity Home Buyer Helper. Minimum home loan balance $150,000. Not available for internal product switches. Top ups only available for Shared Equity Home Buyer Helper. Maximum loan period 30 years. Interest rate calculated daily charged monthly. After fixed period interest rate reverts to First Home Buyer Advantage Plus standard variable rate.
• ⁸ This rate is for secured loans only. Minimum loan amount is $30,000. Maximum loan is 80% of the property value. Interest is calculated daily charged monthly on the portion of the overdraft used.

Credit eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate is subject to change.