Skip to main content
Skip to main content
  1. Home Loans
  2. Compare home loans

Compare home loans

Your home loan options

Australian Unity Mozo Award

Kickstarter Loan

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

From
3.59%p.a. Variable rate1
 
3.62%p.a. Comparison rate4
  • Low $600 establishment fee
  • $0 annual or ongoing account fees
  • Borrow up to 80% of the value of the property
  • Free redraw (min $500) through Internet Banking and unlimited additional repayments
  • Flexible loan sizes: borrow between $250k - $1m
Learn More Enquire

Health Wealth Happiness Home Loan

A flexible home loan that’s full of added benefits

From
3.89%p.a. Variable rate2
 
3.92%p.a. Comparison rate4
  • Low $600 establishment fee
  • Borrow up to 90% of the value of the property
  • When you have a variable rate: free redraw (min $500) through Internet Banking and unlimited additional repayments
  • Up to 10% off Australian Unity health insurance for new customers5
  • 100% offset account included
Learn More Enquire
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.

From
3.74%p.a. Variable rate2
 
4.13%p.a. Comparison rate4
  • Low $399 annual package fee to access discounts
  • Borrow up to 90% of the value of the property
  • When you have a variable rate: free redraw (min $500) through Internet Banking and unlimited additional repayments
  • 100% offset account included
  • Up to $1,2506 for couples/families and up to $8507 for singles worth of value to put towards your Australian Unity health insurance for up to 5 years.
Learn More Enquire

*The repayment estimate above is based on the displayed interest rate over the set term, based on the loan amount you have inputted, and assumed a 30 year loan term. It does not take in to account fees and charges. It is based on the information you have provided and is indicative only. Normal lending criteria apply.

Rates and Fees

Kickstarter Loan Health, Wealth
and Happiness Loan
Health, Wealth
and Happiness Package
Discounted Variable
 
3.59%p.a.
Comparison Rate
3.62%p.a.
 
3.89%p.a.
Comparison Rate
3.92%p.a.
 
3.74%p.a.
Comparison Rate
4.13%p.a.
Standard Variable
 
4.76%p.a.
Comparison Rate
4.79%p.a.
 
4.76%p.a.
Comparison Rate
4.79%p.a.
 
4.76%p.a.
Comparison Rate
4.79%p.a.
1 year fixed N/A
 
3.90%p.a.
Comparison Rate
3.93%p.a.
 
3.79%p.a.
Comparison Rate
4.14%p.a.
3 year fixed N/A
 
3.80%p.a.
Comparison Rate
3.90%p.a.
 
3.69%p.a.
Comparison Rate
4.12%p.a.
5 year fixed N/A
 
4.20%p.a.
Comparison Rate
4.05%p.a.
 
3.99%p.a.
Comparison Rate
4.23%p.a.

Wealth Builder Investor Loan

Make your investment work harder for you with low fixed and variable interest rates, and the option to add an offset account.

From
4.29%p.a. Variable rate3
 
4.32%p.a. Comparison rate4
  • Low $600 establishment fee
  • Borrow up to 90% of the value of the property
  • $0 ongoing annual fees
  • Flexibility to add a 100% offset for only $10 p/mth
  • When you have a variable rate: free redraw (min $500) through Internet Banking and unlimited additional repayments
Learn More Enquire

Wealth Builder Investor Package

Get smart with your investment loan by bundling it up. This package comes loaded with extra savings and benefits.

From
4.14%p.a. Variable rate3
 
4.52%p.a. Comparison rate4
  • Low $399 annual package fee
  • Borrow up to 90% of the value of the property
  • 100% offset account included
  • When you have a variable rate: free redraw (min $500) through Internet Banking and unlimited additional repayments
  • Save on your home and contents insurance, no annual fee on our credit card, and enjoy discounted interest rates
Learn More Enquire

*The repayment estimate above is based on the displayed interest rate over the set term, based on the loan amount you have inputted, and assumed a 30 year loan term. It does not take in to account fees and charges. It is based on the information you have provided and is indicative only. Normal lending criteria apply.

Rates and Fees

Wealth Builder Investor Loan Wealth Builder Investor Loan Package
Discounted Variable
 
4.29%p.a.
Comparison Rate
4.32%p.a.
 
4.14%p.a.
Comparison Rate
4.52%p.a.
Standard Variable
 
4.79%p.a.
Comparison Rate
4.82%p.a.
 
4.79%p.a.
Comparison Rate
4.82%p.a.
1 year fixed
 
4.25%p.a.
Comparison Rate
4.32%p.a.
 
4.10%p.a.
Comparison Rate
4.52%p.a.
3 year fixed
 
4.15%p.a.
Comparison Rate
4.29%p.a.
 
3.99%p.a.
Comparison Rate
4.48%p.a.
5 year fixed
 
4.30%p.a.
Comparison Rate
4.33%p.a.
 
4.15%p.a.
Comparison Rate
4.53%p.a.

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 1300 790 740

Have us call you within 1 business day

Request a call back

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.

Interest rates on this page are current as at 1 March 2019 and subject to change.

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

Available for new loans only. The rate includes a 1.17% discount off the standard variable rate for the Kickstarter Home Loan. The 1.17% discount for the Kickstarter Home Loan includes a 0.75% conditional product discount and campaign sign on discount of 0.42%. To maintain access to the ongoing discount the repayments for your loan must be debited from an Australian Unity transaction account.

Available for new loans only. Principal & interest loans: The rate includes a 0.87% discount off the standard variable rate for the Health Wealth Happiness Home Loan, 1.02% discount off the standard variable rate for the Health Wealth Happiness Home Loan Package. The 0.87% discount for Health Wealth Happiness Home Loan includes a 0.60% conditional product discount and a campaign sign on discount of 0.27%. The 1.02% discount for Health Wealth Happiness Home Loan Package includes a 0.60% conditional product discount and a campaign sign on discount of 0.52%. To maintain access to the ongoing discount the repayments for your loan must be debited from an Australian Unity transaction or offset account. Interest only loans: The rate includes a 0.92% discount off the standard variable rate for the Health Wealth Happiness Home Loan, 1.07% discount off the standard variable rate for the Health Wealth Happiness Home Loan Package. The 0.87% discount for Health Wealth Happiness Home Loan includes a 0.60% conditional product discount and a campaign sign on discount of 0.37%. The 1.07% discount for Health Wealth Happiness Home Loan Package includes a 0.60% conditional product discount and a campaign sign on discount of 0.47%. To maintain access to the ongoing discount the repayments for your loan must be debited from an Australian Unity transaction or offset account.

Available for new loans only. Principal & interest loans: The rate includes a 0.50% discount off the standard variable rate for the Wealth Builder Investor Loan, 0.65% discount off the standard variable rate for the Wealth Builder Investor Loan Package. The 0.50% discount for Wealth Builder Home Loan includes a 0.30% conditional product discount and a campaign sign on discount of 0.20%. The 0.55% discount for Wealth Builder Investor Loan Package includes a 0.30% conditional product discount and a campaign sign on discount of 0.35% discount. To maintain access to the ongoing product discount the repayments for your loan must be debited from an Australian Unity transaction or offset account. Interest only loans: The rate includes a 0.95% discount off the standard variable rate for the Wealth Builder Investor Loan, 1.10% discount off the standard variable rate for the Wealth Builder Investor Loan Package. The 0.95% discount for Wealth Builder Home Loan includes a 0.30% conditional product discount and a campaign sign on discount of 0.65%. The 1.10% discount for Wealth Builder Investor Loan Package includes a 0.30% conditional product discount and a campaign sign on discount of 0.75% discount. To maintain access to the ongoing product discount the repayments for your loan must be debited from an Australian Unity transaction or offset account.

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.

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.

Total value is achieved by applying a 10% discount on the premium and then a $500 contribution from Australian Unity Bank Limited. 10% discount is available only when paying by direct debit. The total value indicated is based on ‘Ultimate Hospital (Gold) with $500 excess & Advanced 80% Extras’, with a base premium of $7,824.60 (assuming a Family/Couple in Victoria with a 0% Lifetime Health Cover Loading, the Australian Government Rebate on Private Health Insurance of 25.059%). Calculations are correct as at 01/04/2019. Health insurance is issued by Australian Unity Health Limited ABN 13 078 722 568.

Total value is achieved by applying a 10% discount on the premium and then a $500 contribution from Australian Unity Bank Limited. 10% discount is available only when paying by direct debit. The total value indicated is based on ‘Ultimate Hospital (Gold) with $500 excess & Advanced 80% Extras’, with a base premium of $3,912 (assuming a Single in Victoria with a 0% Lifetime Health Cover Loading, the Australian Government Rebate on Private Health Insurance of 25.059%). Calculations are correct as at 01/04/2019. 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.