Wealth Builder Loan

A good bank understands you need your investment to work harder for you.

Get started Request a call back

6.59^%p.a.

Variable Rate¹
Principal and Interest

6.63^%p.a.

Comparison Rate²

$0

Annual fees

$0

Property valuation for one property up to $1.5 million

Features & benefits

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

Min 10% deposit

Borrow up to 90% of the value of your property (inc LMI).

Get smart with a 100% offset facility

Save on interest and pay your loan off sooner by using your transaction account balance to offset your loan’s principal for only $10 per month.

Free & unlimited redraw

You can redraw the amount you’ve paid in addition to your repayments, from a minimum of $500. Best of all it’s easy and free to do through Internet Banking and our mobile banking app.

View all features

Choose your loan amount
Found the perfect property? Borrow between $200K and $2.5M to make it yours.
Save on ATM fees
You can use any of the Big 4 Banks ATMs or Precinct ATMs for free.
Want to increase your loan amount?
The process is simple! Just give us a call and we’ll help you apply.

Make unlimited extra repayments
Got some extra cash? The more you pay off, the less interest we’ll charge when you’re on a variable rate loan. Even small extra repayments every week can save a huge amount of interest. You can also pay up to an extra $10,000 a year on a fixed rate loan. Early loan payout on a fixed rate loan may result in break costs being charged.⁵
Flexible repayments
Choose weekly, fortnightly or monthly.
Need to add a credit card?
Ours come with a competitive interest rate, and we’ll waive the annual card fee for you. Find out more.

One-off establishment fee
A single $600 establishment fee gives you access to great savings and rate discounts.
Flexible loan terms
Choose from a minimum of 1 year, to a maximum of 30.
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 customers³.

Split rate home loan
Get the best of both worlds by splitting your home loan between fixed and variable rates. Lock in fixed rate certainty, make additional repayments on your variable rate loan, save interest with an offset account on your variable loan balance and redraw extra cash when ahead on your variable rate loan.

This loan may suit you if you want:

To buy a residential investment property.
Flexibility to make principal and interest or interest only repayments.
The ability to split your loan into variable and fixed interest rate portions.
An offset account on variable loans to save interest.
To easily redraw extra money if your loan is paid in advance.

Rates & fees

%
Interest rates

Principal & interest

From

6.59%

p.a.

DISCOUNTED VARIABLE RATE¹

6.63%

p.a.

COMPARISON RATE²

Discounted Variable

6.59% p.a.

6.63% p.a.

Standard Variable

8.11% p.a.

8.15% p.a.

1 year fixed

6.94% p.a.

6.67% p.a.

2 year fixed

7.09% p.a.

6.73% p.a.

3 year fixed

6.83% p.a.

6.70% p.a.

5 year fixed

7.08% p.a.

6.85% p.a.

Interest only

From

6.79%

p.a.

DISCOUNTED VARIABLE RATE¹

6.82%

p.a.

COMPARISON RATE²

Discounted Variable

6.79% p.a.

6.82% p.a.

Standard Variable

8.86% p.a.

8.89% p.a.

1 year fixed

7.04% p.a.

6.84% p.a.

2 year fixed

7.19% p.a.

6.89% p.a.

3 year fixed

6.93% p.a.

6.86% p.a.

5 year fixed

7.18% p.a.

6.96% p.a.

Fees

$0

No monthly or annual fees

$600

One-off establishment fee

$0

Redraw fee when you request online (min $500)

$0

Don’t pay ATM fees when you withdraw from your linked transaction account at any of the Big 4 Banks ATMs or Precinct ATMs located here.

LVR >80%

Fees for Lender’s Mortgage Insurance will apply

$0

When on a variable rate make extra repayments at no extra cost

$249

Interest type switch fee

$0

Property valuation for one property up to $1.5 million

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 online

You can apply online and save and return to your application at any point.

Fill in the online application form
Submit your application
You can do this online, via email or in the post.
We'll assess your loan
We'll call you regarding your approval within 3 days.

Apply now

Or, 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.

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.

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.

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.

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

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.

Interest rates on this page are current as at 8 July 2024 and subject to change.

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

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. 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.

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.

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.

© Copyright 2018 - 2023 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.

Terms and Conditions | Privacy

Australian Unity Bank's BSB number is: 803-228

Wealth Builder Loan

.flex-wrap { flex-wrap: wrap!important; } .d-flex { display: flex!important; } A good bank understands you need your investment to work harder for you. Get started Request a call back

Features & benefits

Save on health insurance

Min 10% deposit

Get smart with a 100% offset facility

Free & unlimited redraw

View all features

This loan may suit you if you want:

Rates & fees

%Interest rates

Principal & interest

Interest only

Fees

$0

$600

$0

$0

LVR >80%

$0

$249

$0

How to apply

Get your documents together

Apply online

Or, apply with a lending specialist

Helpful home loan information

Home loan rates

How to compare & find the best home loan

Home loan refinancing guide

Property investment guide

Get in touch

Email us

Call on 1300 790 740

FAQs

Important information

Key fact sheet

Terms & Conditions

A good bank understands you need your investment to work harder for you.

Get started Request a call back

%
Interest rates