Compare home loans

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 April 2021 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

¹ 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.

² Available for new loans only. Principal & interest loans: The rate includes a 0.86% discount off the standard variable rate for the Health Wealth Happiness Home Loan, 1.01% discount off the standard variable rate for the Health Wealth Happiness Home Loan Package. The 0.86% discount for Health Wealth Happiness Home Loan includes a 0.60% conditional product discount and a campaign sign on discount of 0.26%. The 1.01% discount for Health Wealth Happiness Home Loan Package includes a 0.60% conditional product discount and a campaign sign on discount of 0.41%. 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 0.92% discount for Health Wealth Happiness Home Loan includes a 0.60% conditional product discount and a campaign sign on discount of 0.32%. 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.

³ Available for new loans only. Principal & interest loans: The rate includes a 0.52% discount off the standard variable rate for the Wealth Builder Investor Loan, 0.67% discount off the standard variable rate for the Wealth Builder Investor Loan Package. The 0.52% discount for Wealth Builder Home Loan includes a 0.30% conditional product discount and a campaign sign on discount of 0.22%. The 0.67% discount for Wealth Builder Investor Loan Package includes a 0.30% conditional product discount and a campaign sign on discount of 0.37% 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 1.02% discount off the standard variable rate for the Wealth Builder Investor Loan, 1.17% discount off the standard variable rate for the Wealth Builder Investor Loan Package. The 1.02% discount for Wealth Builder Home Loan includes a 0.30% conditional product discount and a campaign sign on discount of 0.72%. The 1.17% discount for Wealth Builder Investor Loan Package includes a 0.30% conditional product discount and a campaign sign on discount of 0.87% 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.

⁴ 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.

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.

⁶ 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 $7,995.10(assuming a Family/Couple in Victoria with a 0% Lifetime Health Cover Loading, the Australian Government Rebate on Private Health Insurance of 24.808%). Calculations are correct as at 01/04/2020. Health insurance is issued by Australian Unity Health Limited ABN 13 078 722 568.

⁷ 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 $3,997.50 (assuming a Single in Victoria with a 0% Lifetime Health Cover Loading, the Australian Government Rebate on Private Health Insurance of 24.808%). Calculations are correct as at 01/04/2020. Health insurance is issued by Australian Unity Health Limited ABN 13 078 722 568.

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