Wealth Builder Loan Package

A hard working loan with low interest rates, a flexible structure.
Get started Request a call back

6.39^%p.a.

Variable Rate¹
Principal and Interest

6.72^%p.a.

Comparison Rate²

$399

Annual fee

100%

Offset account

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

Get additional savings

Save on your home & contents insurance by applying online, we’ll waive the annual fee on our credit card and enjoy discounted interest rates. Find out more.

Fewer fees

You won’t pay any establishment fees, or fees for switching between variable and fixed interest rates.

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

View all features

Min 10% deposit
Borrow up to 90% of the value of your property (inc LMI).
Flexible repayments
Choose to Weekly, fortnightly or monthly repayments.
Want to increase your loan amount?
The process is simple! Just give us a call and we’ll help you apply.

Save on ATM fees
You can use any of the Big 4 Banks ATMs or Precinct ATMs for free.
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
We’ll waive the establishment fee
That’s an extra $600 you won’t have to pay.

Free & unlimited redraw
Redraw lets you access extra principal repayments you’ve made on your variable rate loan. We don’t charge a redraw fee, so you can redraw a minimum of $500 at any time, providing you’re not in a fixed rate period. Just log into internet banking or our mobile app. ⁴
Flexible loan terms
Choose from a minimum of 1 year, to a maximum of 30.
Construction loan flexibility
Apply for a construction loan to make progress payments as your renovate or build your dream home. Instead of lending you the whole loan amount upfront, we make a series of progress payments to your builder during the building process.

Save interest with a 100% offset account
Pay off your home loan sooner by linking your savings account to your home loan. Your savings account balance is 100% offset against the amount owing on your home loan, reducing the amount of interest charged.
Choose your loan amount
Found the perfect property? Loan amounts can be between $200K and $2.5M to make it yours.

This loan package may suit you if you want:

To buy a residential investment property.
A competitive interest rate.
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 rate loans to save interest.
To easily redraw extra money if you loan is paid in advance.
To be smarter with your money by bringing services together.

Rates & fees

%
Interest rates

Principal & interest

From

6.39%

p.a.

DISCOUNTED VARIABLE RATE¹

6.72%

p.a.

COMPARISON RATE²

Discounted Variable

6.39% p.a.

6.72% p.a.

Standard Variable

8.06% p.a.

8.37% p.a.

1 year fixed

6.79% p.a.

6.77% p.a.

2 year fixed

6.94% p.a.

6.83% p.a.

3 year fixed

6.68% p.a.

6.81% p.a.

5 year fixed

6.93% p.a.

6.96% p.a.

Interest only

From

6.59%

p.a.

DISCOUNTED VARIABLE RATE¹

6.91%

p.a.

COMPARISON RATE²

Discounted Variable

6.59% p.a.

6.91% p.a.

Standard Variable

8.81% p.a.

9.10% p.a.

1 year fixed

6.89% p.a.

6.96% p.a.

2 year fixed

7.04% p.a.

7.01% p.a.

3 year fixed

6.78% p.a.

6.97% p.a.

5 year fixed

7.03% p.a.

7.10% p.a.

Fees

$399

Annual fee

$0

No establishment fee

$0

Redraw fee when you request online. Redraw available on variable rate loans only.⁵ 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

$249

Interest type switch fee

$0

Monthly home loan service fee

$0

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

$0

Rate switch fee (when switching between variable and fixed)

$0

Repayment switch fee (switch between principal and interest, and interest only repayments)

$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 16 November 2023 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 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.

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.

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

Wealth Builder Loan Package

.flex-wrap { flex-wrap: wrap!important; } .d-flex { display: flex!important; } A hard working loan with low interest rates, a flexible structure. Get started Request a call back

Features & benefits

Save on health insurance

Get additional savings

Fewer fees

Need to add a credit card?

View all features

This loan package may suit you if you want:

Rates & fees

%Interest rates

Principal & interest

Interest only

Fees

$399

$0

$0

$0

LVR >80%

$249

$0

$0

$0

$0

$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 hard working loan with low interest rates, a flexible structure.
Get started Request a call back

%
Interest rates