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  2. Kickstarter Home Loan

Kickstarter Home Loan

$0 establishment fee*. That's good banking

3.79 %P.A. Variable Rate1 Principal and Interest
3.82 %P.A. Comparison Rate2
$0 Establishment fee for a limited time only*
UNLIMITED Free redraw ($500 min) when done through Online Banking or our mobile banking app

Kickstarter Home Loan Features & Benefits

Made for life

Sometimes you may need a break from repayments. Whether it’s for something like parental leave or an unexpected life event, we know that life isn’t always easy. Find out how to apply

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


No monthly or annual loan fees.

Easy to manage

Enjoy your linked everyday account with smartphone pay.

This loan may suit you if you:

  • Are thinking of buying your first home, your next home or thinking of switching or refinancing your loan.
  • Like it simple, with basic product features, a competitive variable interest rate loan with no monthly or annual fees.
  • Want to pay off your loan sooner. Offers flexibility to make extra repayments and redraw extra money if your loan is paid in advance.

Rates and fees

Interest rates
Principal & interest
3.79 %p.a. Discounted variable rate1
3.82 %p.a. Comparison rate2
Discounted Variable
3.79% p.a.
3.82% p.a.
Standard Variable
5.51% p.a.
5.54% p.a.
$0 No monthly or
annual fees
$0 Establishment fee for a limited time only*
$0 Redraw fee when you request
online (min $500)
FREE Don’t pay ATM fees when you
use any of the Big 4 Banks ATMs

How to apply

Work with a lending specialist

1Get your documents together
This is how you’ll confirm your income, expenses, assets (what you own), and liabilities (what you owe).

2Contact our team
You can reach us on 1300 790 740, or we can call you back.

3Complete the application form we send you
And return it to us by email or post. We’ll assess your loan and if approved…

4Start picking out the furniture

Your lending specialist will work with you from start to finish, so you can move in with confidence.

DIY online

1Get your documents together
This is how you’ll confirm your income, expenses, assets (what you own), and liabilities (what you owe).

2Complete the online application form or the paper based application form
You can save and return to your application at any point.

3Submit your application
You can do this online, via email or in the post.

4Count to three We’ll call you regarding your approval within 3 days.

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

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.



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.



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.



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.

Compare home loans

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 (Terms of Use), any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

*Terms and conditions of offer: Offer available for new loan applications only received on or before 31st December 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.

All information is correct as at 5 May 2022 and is subject to change.

Available for new loans only. The rate includes a discount off the standard variable rate.

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. 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.

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.