Variable Rate1
Principal and Interest
Comparison Rate2
Annual package fee
Offset account
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
Save on your home & contents insurance by applying online, we’ll waive the low rate visa credit card annual fee on our credit card and enjoy discounted interest rates. Find out more.
You won’t pay any loan establishment fees or interest type switch fee.
Ours come with a competitive interest rate, and we’ll waive the low rate visa credit card annual fee for you. Find out more
6.44%
p.a.
DISCOUNTED VARIABLE RATE1
6.78%
p.a.
COMPARISON RATE2
6.64%
p.a.
DISCOUNTED VARIABLE RATE1
6.96%
p.a.
COMPARISON RATE2
Annual package fee
No self serve redraw fee ($500 min) when done through online banking or our mobile banking app*
Fees for Lender’s Mortgage Insurance will apply4
For full list of all applicable fees and charges, please view our full fee schedule.
See our full fee schedule
Compare home loans
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Fees, charges and lending criteria apply for all loans and credit cards. Please refer to Terms and conditions before applying for any product.
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.
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.
Interest rates on this page are current as at 8 July 2024 and subject to change.
1 Available for new loans only. The rate includes a discount off the standard variable rate. Interest rates shown are for loans with a Loan to Value Ratio (LVR) of greater than 70% but less than or equal to 80%.
2 Comparison 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.
3 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.
4 Lenders Mortgage Insurance will apply to loans with an LVR >80%. Refer to the loan fee schedule for more information.
5 Fees and charges may apply. Refer Loan Fee Schedule for more information.
6 Construction loan fee will apply. This fee includes property valuations and a certain number of progress payments. Any additional progress payments required will incur additional fees. Please refer to the loan fee schedule for more information.
*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. Available on variable rate loans only.
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.
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