Charges and lending criteria apply for all loans and credit cards. Please refer to Terms and Conditions before applying for any product.

Key fact sheet

Click here to generate a home loan key facts sheet for specific information relating to the loan – including interest rate, repayments and fees. You can use this to compare other products on the market.

Terms & Conditions

Banking products are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994, 271 Spring St, Melbourne, Victoria 3000. Australian Unity Bank Limited is wholly owned subsidiary of Australian Unity Limited.

Fees, charges and 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. Before acquiring any product you should read the relevant terms and conditions (including Terms of Use), any Product Disclosure Statement (if applicable), Financial Services Guide and Credit Guide – available here. Our Target Market Determinations are available here.

Information is correct as at 8 July 2024 and is subject to change. Australian Unity reserves the right to offer rates, fees and charges that differ from those currently promoted on the website or advertised.

* Terms and conditions of offer include: Offer only available for new Kickstarter Loan applications received on or before 31st December 2024. Discount applied as at settlement. Minimum loan amount $200,000 (max $2,000,000). Establishment and valuation fees waived. Australian Unity reserves the right to amend or discontinue the offer at any time. Standard lending criteria, fees, charges, terms and conditions apply, further details can be obtained by speaking to our employee banking concierge. Loans must be approved and settled to qualify for the offer.

^{1, 2, 3}Available for new loans only. The rate includes a discount off the standard variable rate.

⁴ Comparison Rate is based on a secured loan $150,000 over a term of 25 years with monthly 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.

⁵ 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.

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.