Skip to main content
Skip to main content

Home Loan - Owner Occupier

Product Payment Type Loan Valuation Ratio Variable Rate Discounted Variable Rate Standard 1 Year Fixed Rate4 2 Year Fixed Rate4 3 Years Fixed Rate4 5 Years Fixed Rate4
Interest Rate p.a. Comparison Rate p.a.6 Interest Rate p.a. Comparison Rate p.a.6 Interest Rate p.a. Comparison Rate p.a.6 Interest Rate p.a. Comparison Rate p.a.6 Interest Rate p.a. Comparison Rate p.a.6 Interest Rate p.a. Comparison Rate p.a.6
Kick Starter Home Loan1 Principal & Interest LVR <70% 2.84% 2.87% 4.36% 4.39% - - - - - - - -
LVR <80% 2.94% 2.97% 4.51% 4.54% - - - - - - - -
LVR <90%2 3.09% 3.12% 4.66% 4.69% - - - - - - - -
Health Wealth Happiness Home Loan2 Principal & Interest LVR <70% 2.99% 3.02% 4.36% 4.39% 3.88% 3.10%
4.74% 3.32% 5.14% 3.58%
5.43% 4.02%
LVR <80% 3.09% 3.12% 4.51% 4.54% 3.98% 3.20%
4.81% 3.43% 5.24% 3.68%
5.53% 4.13%
LVR <90%5 3.24% 3.27% 4.66% 4.69% 4.13% 3.35%
4.96% 3.58% 5.39% 3.83%
5.68% 4.28%
Interest Only LVR <70% 3.59% 3.61% 5.11% 5.13% 4.24% 3.65%
5.17% 3.80% 5.35% 3.92%
5.89% 4.28%
LVR <80% 3.69% 3.71% 5.26% 5.28% 4.34% 3.75%
5.27% 3.90% 5.45% 4.03%
5.99% 4.39%
LVR <90%5 3.84% 3.86% 5.41% 5.43% 4.49% 3.90%
5.42% 4.05% 5.60% 4.18%
6.14% 4.55%
Health Wealth Happiness Package2 Principal & Interest LVR <70% 2.84% 3.26% 4.36% 4.74% 3.73% 3.34%
4.56% 3.56%
4.99% 3.80%
5.28% 4.24%
LVR <80% 2.94% 3.36% 4.51% 4.88% 3.83% 3.43%
4.66% 3.65%
5.09% 3.90%
5.38% 4.34%
LVR <90%5 3.09% 3.50% 4.66% 5.03% 3.98% 3.58%
4.81% 3.80% 5.24% 4.05%
5.53% 4.49%
Interest Only LVR <70% 3.44% 3.84% 5.11% 5.47% 4.09% 3.90%
5.02% 4.12% 5.20% 4.30%
5.74% 4.79%
LVR <80% 3.54% 3.94% 5.26% 5.62% 4.19% 4.00%
5.12% 4.22% 5.30% 4.40%
5.84% 4.89%
LVR <90%5 3.69% 4.08% 5.41% 5.76% 4.34% 4.14%
5.27% 4.37% 5.45% 4.55%
5.99% 5.04%

Home Loan - Investor

Product Payment Type Loan Valuation Ratio Variable Rate Discounted Variable Rate Standard 1 Year Fixed Rate4 2 Year Fixed Rate4 3 Years Fixed Rate4 5 Years Fixed Rate4
Interest Rate p.a. Comparison Rate p.a.6 Interest Rate p.a. Comparison Rate p.a.6 Interest Rate p.a. Comparison Rate p.a.6 Interest Rate p.a. Comparison Rate p.a.6 Interest Rate p.a. Comparison Rate p.a.6 Interest Rate p.a. Comparison Rate p.a.6
Wealth Builder Investor Loan3 Principal & Interest LVR <70% 3.19% 3.22% 4.31% 4.34% 4.14% 3.31%
4.88% 3.52%
5.32% 3.78%
5.59% 4.21%
LVR <80% 3.24% 3.27% 4.56% 4.59% 4.19% 3.36%
4.93% 3.57%
5.42%
3.84% 5.64%
4.27%
LVR <90%5 3.49% 3.52% 4.66% 4.69% 4.44% 3.61%
5.18% 3.83%
5.52% 4.06%
5.89%
4.52%
Interest Only LVR <70% 3.54% 3.56% 5.06% 5.08% 4.24% 3.60%
4.98% 3.73% 5.42% 3.89%
5.69%
4.19%
LVR <80% 3.59% 3.61% 5.31% 5.33% 4.29% 3.65%
5.03% 3.78%
5.52% 3.95%
5.74%
4.24%
LVR <90%5 3.84% 3.86% 5.41% 5.43% 4.54% 3.90%
5.28% 4.04%
5.62% 4.18%
5.99%
4.50%
Wealth Builder Investor Package3 Principal & Interest LVR <70% 3.04% 3.45% 4.21% 4.59% 3.99% 3.54%
4.73% 3.75%
5.17% 4.00%
5.44%
4.43%
LVR <80% 3.09% 3.50% 4.56% 4.93% 4.04% 3.59%
4.78% 3.80%
5.27% 4.06%
5.49%
4.48%
LVR <90%5 3.34% 3.74% 4.66% 5.03% 4.29% 3.83%
5.03% 4.04%
5.37% 4.27%
5.74%
4.73%
Interest Only LVR <70% 3.39% 3.79% 5.01% 5.37% 4.09% 3.86%
4.83% 4.05%
5.27% 4.28%
5.54%
4.67%
LVR <80% 3.44% 3.84% 5.31% 5.67% 4.14% 3.90%
4.88% 4.10%
5.37% 4.34%
5.59%
4.72%
LVR <90%5 3.69% 4.08% 5.41% 5.76% 4.39% 4.15%
5.13% 4.34%
5.47% 4.55%
5.84%
4.97%

What is LVR and LMI?
LVR stands for loan-to-value (or sometimes loan-to-valuation) ratio. It’s a percentage figure that is calculated by dividing the loan amount by the value of your property expressed as a percentage. For e.g. if you borrow $150,000 and your property is valued at $400,000, the LVR is 37.5% (150,000 divided by 400,000 multiplied by 100%).

Generally the lower the LVR the lower the risk is to the bank in lending you money. Bank’s consider LVR’s over 80% to be more risky.

Lenders Mortgage Insurance (LMI) will need to be paid by you if you borrow more than 80% of the property’s value. LMI is insurance that the bank takes out to protect the bank against the risk of not recovering the full loan balance should you not meet your loan repayments and your property is sold, and there is a shortfall between what is owed on the loan and what the property sells for. 

Let’s get started

Helpful links

Property profile report

Get the inside scoop on price, find out which houses are worth
inspecting, and show up at your next auction in the know.

Award winning home loans

How we make home loans easier for you

focused on wellbeing

Focused on Wellbeing

We help customers support the health and wellbeing of their family by creating a home loan package that helps them save on health insurance. Find out more.

flexible

Flexible

Our home loans give you the flexibility to change as your life does. Options like applying to see if you can pause your home loan repayments due to a life event or paying using your phone to pay when you forget your wallet.

mutual

Mutual

As a member-owned bank we focus on our customers, members and the community. We focus on your financial wellbeing through personalised service and competitive rates.

experience

Experience

We’ve been helping people with their banking solutions for over 30 years and the Australian Unity Group has been around for over 175 years so we’ll be able to help you with your home loan needs.

Helpful home loan information

home loan rates

Home loan
rates

Find out what a good home loan rate looks like these days. Read More
how to compare and find the best home loan

How to compare & find the best home loan

What to look for in a loan, and how to compare against other offers. Read More
refinancing guide

Home loan refinancing guide

What you should know before you refinance. Read More
property investment guide

Property
investment guide

What you should know before you invest in property. Read More

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 1800 288 300

Have us call you within 1 business day

Request a call back

Important information

The interest rates quoted within this schedule apply to owner occupier home loans, investment loans, consumer lending and SMSF lending. The interest rates are effective as at the date of this schedule and apply to new and existing customers as indicated. Australian Unity reserves the right to change interest rates and fees and charges at any time. Normal lending criteria apply. Applications are subject to normal credit approval. Full terms and conditions, standard fees and charges are available from us or by visiting our Terms of Use page. Home loans must be fully secured by real estate property mortgage

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

4 Interest rate current as at 16 June 2022 and subject to change, available for new Australian Unity fixed rate loans only. At the end of the fixed rate period, the interest rate converts to the applicable Standard Variable Rate relevant to your loan purpose and repayment type at that time, less any applicable package discount specified in your Loan Contract. Fixed 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.

5 If you’re borrowing more than 80% of the value of the property you will need to pay additional fees called Lenders Mortgage Insurance (LMI)

6 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.

What is a Comparison Rate? To find out more click here.

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.

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

Our Target Market Determinations are available here.