Fees, charges and lending criteria apply for all loans and credit cards. Please refer to Terms of Conditions before applying for any product.

Key fact sheet

Click here to generate a home loan key facts sheet for specific information relating to the loan – including interest rate, repayments and fees. You can use this to compare other products on the market.

Terms & Conditions

Banking products are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Australian Unity Bank Limited, 271 Spring St, Melbourne, Victoria 3000 is wholly owned subsidiary of Australian Unity Limited.

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

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.

^*Offer only available for new Kickstarter Loan applications. Minimum loan amount $200,000 (max $2,000,000). Loan establishment fee waived. Australian Unity reserves the right to amend or discontinue the offer at any time. Standard lending criteria, fees, charges, terms and conditions apply, further details can be obtained by speaking to our employee banking concierge. Loans must be approved and settled to qualify for the offer.

^{^}Free self serve redraw refers to self serve redraw performed through internet banking or the mobile banking app. Staff assisted redraw will incur a fee. Please refer to the loan fee schedule for more details.

¹ Available for new loans only. Variable interest rates shown are for loans with a Loan to Value Ratio (LVR) less than or equal to 70% and are current as at 21 August 2025. 

² Comparison Rate is based on a secured loan $200,000 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.

³ Lenders Mortgage Insurance will apply to loans with an LVR >80%. Refer to the loan fee schedule for more information.

⁴ Fees and charges may apply. Refer to the loan fee schedule for more information.

⁵ 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.