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A home loan with interest rate and
repayment certainty.

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Call 1800 288 300

2 year fixed rate* P&I owner occupier home loan package

4.56%P.A. Fixed Rate Principal and Interest Health Wealth Happiness Home Loan Package
3.56%P.A. Comparison Rate3

Fixed Rate Home Loan Features & Benefits

Make up to $10,000 of additional payments a year (anything above may incur a fee). Early loan payout on a fixed rate loan may result in break costs being charged.1

Your interest rate won't change during the fixed period.

Fixed interest rate available when borrowing up to 70% of the value of your home.

Split your loan into fixed and variable rate loans.

One-to-one service - You can ask to speak to the same person every time you call, giving you personal, dedicated customer service.

Save on health insurance – enjoy a loan that’s good for you in more ways than one with up to 10% off Australian Unity Health insurance for new customers.2

$
Fees
$399 Low annual fee
$0 Establishment fee
 
LVR ≤ 70% No Lender’s Mortgage Insurance applies.
FREE Don’t pay ATM fees when you
use any of the Big 4 Banks ATMs

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Call 1800 288 300
See our full fee schedule

Important things to consider when financing your home

When choosing a fixed rate loan with Australian Unity, you need to know that if you decide later to switch your loan or to repay it early, then a fixed rate loan may not be suitable to you as it could incur a Break Cost. You should also consider a variable interest rate loan prior to accepting a fixed rate offer to see what is most suitable for you and your circumstances.

A Break Cost can be very large and may vary in size from day to day. Before making an early repayment (or varying a fixed interest rate) during a fixed rate term, you should ensure that you have an understanding of the likely Break Cost.

To find out more about Break Costs click here.

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Disclaimer

Terms & Conditions

All credit and deposit products (including loans, credit cards, term deposits and savings accounts) are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Australian Unity Bank Limited is a fully owned subsidiary of Australian Unity Limited. Fees, charges and lending criteria apply for all loans and credit cards. Please refer to Terms of Use before applying for any product. Normal lending criteria apply. 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 relevant) and Financial Services Guide before acquiring any product.

1 For more information about fixed rate loans and break costs click here

2 10% discount includes all other retail discounts and is only available when paying by direct debit. This discount is for new customers only and is not available through health insurance brokers or comparators. Not to be used in conjunction with any other offer or discount. Excludes Overseas Visitors Cover. Health insurance is issued by Australian Unity Health Limited ABN 13 078 722 568.

3 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. 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.

*Fixed interest rate available when borrowing up to 70% of the value of your home.

*This information is current as at 16 June 2022 and is subject to change

Our Target Market Determinations are available here.

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.