Fixed Rate Loan

A home loan with inerest rate and repayment certainty

Request a callback Call 1800 288 300

6.58^%p.a.

Fixed Rate¹
3 year fixed rate loan Health Wealth Happiness Home Loan Package

6.08^%p.a.

Comparison Rate²
3 year fixed rate loan Health Wealth Happiness Home Loan Package

$399

Annual package fee

LVR≤80%¹

Borrow up to 90% of the value of the property. Lenders Mortgage Insurance will apply to loans with an LVR >80%. Refer to the loan fee schedule for more information.

Our fixed rate owner occupied home loan gives you the certainty of a fixed interest rate period.

The main benefit of a fixed rate home loan is that you lock in your interest rate for a certain period. This means you won’t be affected by interest rate increases and have set repayments during your fixed interest rate period.

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. For more information about Break costs, click here.

Your interest rate won't change during the fixed period⁴.

Borrow up to 90% of the value of the property. Lenders Mortgage Insurance will apply to loans with an LVR >80%. Refer to the loan fee schedule for more information.

Dedicated 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.³

Split your loan into fixed and variable rate loans.

Home loan applications closing soon

As we prepare for the closure of Australian Unity Bank on 21 November 2025, we’ll be winding down our lending services. That means new home loan applications will only be accepted up until close of business 30 September 2025, provided that the loan can be settled by 13 November 2025.

This cut-off date helps us wrap things up smoothly and ensures we can give existing applications the attention they deserve—while continuing to deliver the high level of service our customers expect.

If you’ve got questions or need help with an application, our lending team is here for you. Don’t hesitate to reach out on 1800 288 300.

Father and three young children running in the yard

Rates & fees

%
Interest rates

Principal & interest

From

5.39%

p.a.

DISCOUNTED VARIABLE RATE¹

5.75%

p.a.

COMPARISON RATE²

Discounted Variable

5.39% p.a.

5.75% p.a.

Standard Variable

7.11% p.a.

7.44% p.a.

1 year fixed

6.74% p.a.

5.89% p.a.

2 year fixed

6.94% p.a.

6.05% p.a.

3 year fixed

6.58% p.a.

6.08% p.a.

5 year fixed

6.85% p.a.

6.39% p.a.

Interest only

From

6.19%

p.a.

DISCOUNTED VARIABLE RATE¹

6.51%

p.a.

COMPARISON RATE²

Discounted Variable

6.19% p.a.

6.51% p.a.

Standard Variable

8.06% p.a.

8.37% p.a.

1 year fixed

7.10% p.a.

6.63% p.a.

2 year fixed

7.40% p.a.

6.77% p.a.

3 year fixed

6.79% p.a.

6.69% p.a.

5 year fixed

7.31% p.a.

7.00% p.a.

How to apply

Get your documents together

Before you start you will need to get your documents together that confirm:

Your income
Your expenses
Your assets (what you own)
And your liabilities (what you owe)

Apply with a lending specialist

Contact our team
Talk to us about your needs and request the application form
Call 1800 288 300
Or request a callback
Submit your application
Complete the application form and return it to us by email or post.
We'll assess your loan
Once we receive your application we’ll call you regarding your approval.

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 for 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.

Get in touch

Email us

Have a question? Send us an email.

Email us

Call on 1300 790 740

Prefer to chat? Call us Mon - Fri 8.30am - 5:30pm AEST.

Call us

FAQs

Need help? Read our frequently asked questions.

Helpful home loan information

Home loan rates

Explore our fixed and variable home loan rates.

How to compare & find the best home loan

What to look for in a loan, and how to compare against other offers.

Home loan refinancing guide

What you should know before you refinance.

Property investment guide

What you should know before you invest in property.

Important information

Fees, charges and lending criteria apply for all loans and credit cards. Please refer to Terms and conditions before applying for any product. Refer to Loan Fee Schedule for more information on current fees.

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 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 21 August 2025 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.

¹Fixed interest rates shown for LVR greater than 70% but less than or equal to 80%. Available for new loans only. All interest rates shown are for Health Wealth Happiness Package. Visit the Schedule of Interest Rates - Lending for interest rates on other products and payment types.

²Comparison 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. 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.

³10% 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.

⁴Fixed Rate Home Loans aren’t for everyone and the rate may change at any time prior to the loan being settled. For more information of fixed rate loans click here. Fees and charges may apply. Refer to Loan Fee Schedule for more information.

© Copyright 2018 - 2024 Australian Unity Limited. All loans and deposit products 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.

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Fixed Rate Loan

A home loan with inerest rate and repayment certainty

Request a callback Call 1800 288 300

Fixed Rate Home Loan Features & Benefits

Home loan applications closing soon

Stay informed about our transition to Bank Australia

Rates & fees