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Australian Unity Mozo Award

Kickstarter Loan

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

Monthly repayment*
From
%p.a.
 
%p.a. Comparison rate4
  • $0 establishment fee for a limited time only*
  • $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 $200k - $1m
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Health Wealth Happiness Home Loan

A flexible home loan that’s full of added benefits

Monthly repayment*
From
%p.a.
 
%p.a. Comparison rate4
  • Low $600 establishment fee
  • Borrow up to 80% of the value of your property
  • When you have a variable rate: free redraw (min $500) through Internet Banking and unlimited additional repayments (redraw not available for fixed rate loans)
  • Up to 10% off Australian Unity health insurance for new customers5
  • 100% offset account included (not available for fixed rate loans)
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Australian Unity Money Megazine
Most Popular

Health Wealth Happiness Package

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

Monthly repayment*
From
%p.a.
 
%p.a. Comparison rate4
  • Low $399 annual package fee to access discounts
  • Borrow up to 80% of the value of your property
  • When you have a variable rate: free redraw (min $500) through Internet Banking and unlimited additional repayments (redraw not available for fixed rate loans)
  • 100% offset account included (not available for fixed rate loans)
  • 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.
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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.

Monthly repayment*
From
%p.a.
 
%p.a. Comparison rate4
  • Low $600 establishment fee
  • Borrow up to 80% 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

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Most Popular

Wealth Builder Investor Package

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

Monthly repayment*
From
%p.a.
 
%p.a. Comparison rate4
  • Low $399 annual package fee
  • Borrow up to 80% of the value of the property
  • 100% offset account included (not available for fixed rate loans)
  • When you have a variable rate: free redraw (min $500) through Internet Banking and unlimited additional repayments (redraw not available for fixed rate loans)
  • Save on your home and contents insurance, no annual fee on our credit card, and enjoy discounted interest rates
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Rates and Fees

Kickstarter Loan Health Wealth Happiness Home Loan Health Wealth Happiness Package
INTEREST RATES (principal & interest)
Discounted Variable
Interest Rate
3.79% p.a.
Comparison Rate
3.82% p.a.
Interest Rate
4.09% p.a.
Comparison Rate
4.12% p.a.
Interest Rate
3.94% p.a.
Comparison Rate
4.33% p.a.
Standard Variable
5.51% p.a.
5.54% p.a.
5.51% p.a.
5.54% p.a.
5.51% p.a.
5.86% p.a.
1 year fixed
N/A
5.24% p.a.
4.23% p.a.
5.09% p.a.
4.43% p.a.
2 year fixed
N/A
6.04% p.a.
4.48% p.a.
5.89% p.a.
4.68% p.a.
3 year fixed
N/A
6.64% p.a.
4.81% p.a.
6.49% p.a.
5.01% p.a.
5 year fixed
N/A
6.94% p.a.
5.34% p.a.
6.79% p.a.
5.53% p.a.



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Tools and tips

calculators

Calculators

Use our helpful calculators to:
  • See how much you can borrow
  • Calculate your repayments
  • See how much you can save with an offset account
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guides

Guides

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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.

Terms & Conditions

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 5 August 2022 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

* Terms and conditions of offer: Offer available for new loan applications only received on or before 30th June 2022. Minimum loan amount $200,000. Australian Unity reserves the right to amend or discontinue the offer at any time. Standard lending criteria, fees, charges, terms and conditions apply.

1, 2, 3Available 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 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.

10% discount includes all other retail discounts and is only available to new customers paying by direct debit. This discount 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.