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As a member-owned bank, we’re proud to invest in the things that matter most to our customers.

3.84%p.a. Variable rate5 Health Wealth Happiness Home Loan Package
4.23%p.a. Comparison rate 3

That means we’re able to offer competitive interest rates and flexible products that put your financial wellbeing first.

Compare home loans

Fixed Rates

Be protected from Interest rate movement with our Fixed Rate loan

5.79%p.a. 2 year fixed rate4
4.58%p.a. Comparison rate 3
  • Get repayment certainty
  • Available on Health Wealth Happiness package

Learn More
Australian Unity Mozo Award

Kickstarter Loan

A simple, no fuss, variable rate loan that makes home ownership easy

3.79 %p.a. Variable rate 1
3.82 %p.a. Comparison rate 3
  • Borrow up to 90% of the value of your property
  • No offset

Learn More
Australian Unity Money Megazine

Health Wealth Happiness Package

A loan package with all the trimmings – enjoy flexibility, low rates, great savings and lots of extras

3.94 %p.a. Variable rate 2
4.33 %p.a. Comparison rate 3
  • Borrow up to 80% of the value of your property
  • 100% offset account

Learn More

Let’s get started

Helpful links

Property profile report

Get the inside scoop on price, find out which houses are worth
inspecting, and show up at your next auction in the know.

Award winning home loans

How we make home loans easier for you

focused on wellbeing

Focused on Wellbeing

We help customers support the health and wellbeing of their family by creating a home loan package that helps them save on health insurance. Find out more.



Our home loans give you the flexibility to change as your life does. Options like applying to see if you can pause your home loan repayments due to a life event or paying using your phone to pay when you forget your wallet.



As a member-owned bank we focus on our customers, members and the community. We focus on your financial wellbeing through personalised service and competitive rates.



We’ve been helping people with their banking solutions for over 30 years and the Australian Unity Group has been around for over 175 years so we’ll be able to help you with your home loan needs.

Helpful home loan information

home loan rates

Home loan

Find out what a good home loan rate looks like these days. Read More
how to compare and find the best home loan

How to compare & find the best home loan

What to look for in a loan, and how to compare against other offers. Read More
refinancing guide

Home loan refinancing guide

What you should know before you refinance. Read More
property investment guide

investment guide

What you should know before you invest in property. Read More

Chat with us

Whether it’s understanding terminology, you’re looking to apply or you have a question about your account we can help you with all your banking questions.

Speak with us today

Monday to Friday - 8.30am to 5.30pm AEST

Call 1800 288 300

Have us call you within 1 business day

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Important information

Fees, charges and lending criteria apply for all loans and credit cards. Please refer to Terms of Use before applying for any product.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions (including Terms of Use), any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

All loans and deposit products are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994

1, 2Available for new loans only. The rate includes a discount off the standard variable rate.

Comparison Rate is based on a secured loan $150,000 over a term of 25 years with fortnightly repayments. WARNING: the Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Normal lending criteria apply. 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. 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 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 rate current as at 5 August 2022 and subject to change, available for new Australian Unity fixed rate loans only. At the end of the fixed rate period, the interest rate converts to the applicable Standard Variable Rate relevant to your loan purpose and repayment type at that time, less any applicable package discount specified in your Loan Contract. Fixed Rate Home Loans aren’t for everyone and the rate may change at any time prior to the loan being settled. For more information of fixed rate loans click here.

Variable rate available when borrowing up to 70% of the value of the property.

What is a Comparison Rate? To find out more click here.

Fees and Charges  Refer to Fees and Charges for information on current fees and charges.

Our Target Market Determinations are available here.