Supporting you through every step, that's Banking that's good for you

We're proud to be a selected partner of Indigenous Business Australia (IBA). Through this partnership we are committed to building strong and respectful relationships with Indigenous Business Australia, Aboriginal and Torres Strait Islander peoples, communities and businesses.

By partnering with Indigenous Business Australia we want to make banking products more accessible to Indigenous Australians to support your financial wellbeing and economic independence.

If you are considering moving your home loan from Indigenous Business Australia to Australian Unity Bank, rest assured you won’t just get a home loan. You will be supported by a team of dedicated banking specialists providing you with personal customer service, who seek to understand your goals to help you select the right loan for you. We’ll help you take care of everything, including support with any paperwork to help make switching loans easy.

And thanks to our relationship with IBA you can get access to a range of banking products and services with competitive rates and fee waivers – saving you money.

Home Loans

Health Wealth Happiness Home Loan Package

This home loan package is a multi-award winner, recognised by Money Magazine and Mozo for its competitive features and combining services to help save on fees and obtain discounts. It’s a great choice if you’re looking for an offset account to reduce your interest, or want the flexibility to change from a fixed rate to a variable rate or to make extra repayments when it’s convenient.^*

Learn more

Partnership benefits

We've waived the loan establishment fee (normally $600) and the annual package fee (normally $399).
We’ll waive the Lenders Mortgage Insurance where you borrow up to 85% of the value of the property³

Product benefits

No property valuation fee during the application period for proposed security properties with an expected value up to $1,5M, subject to approval
Online redraw functionality through Internet Banking, minimum $500
No fee to split your loan between variable and fixed
100% offset account linked to a variable loan to reduce interest paid⁴

Transaction & Savings accounts

Everyday Transaction Account

Our everyday transaction account gives you everything you want, with zero monthly fees. Switching is easy; we’ll even transfer all your direct debits for you. Why not give us a go?

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Product benefits

Zero monthly fees
No ATM fees when using any of the Big 4 Banks’ ATMs
Pay with your phone or smartwatch with Apple Pay, Google Pay or Samsung Pay
Free optional Visa Debit card with payWave
Send and receive money in real time with Osko & your PayID

Savings

Be rewarded for actively saving with options to earn bonus interest or the ability to access your money with no deposit or withdrawal restrictions. Choose from three savings accounts:

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Active Saver
Freedom Saver
Easy Saver

Home Loan - Owner Occupier

Product	Payment Type	Loan Valuation Ratio	Variable Rate Discounted	Variable Rate Standard	1 Year Fixed Rate	2 Year Fixed Rate	3 Years Fixed Rate	5 Years Fixed Rate
Interest Rate p.a.	Comparison Rate p.a.	Interest Rate p.a.	Comparison Rate p.a.	Interest Rate p.a.	Comparison Rate p.a.	Interest Rate p.a.	Comparison Rate p.a.	Interest Rate p.a.	Comparison Rate p.a.	Interest Rate p.a.	Comparison Rate p.a.
Health Wealth Happiness Package¹	Principal and Interest	LVR <70%	6.03%	6.03%	7.75%	7.75%	6.49%	6.08%	6.69%	6.16%	6.33%	6.12%	6.60%	6.28%
		LVR <80%	6.09%	6.09%	7.86%	7.86%	6.59%	6.14%	6.79%	6.23%	6.43%	6.19%	6.70%	6.36%
		LVR <90%²	6.29%	6.29%	8.06%	8.06%	6.74%	6.34%	6.94%	6.42%	6.58%	6.37%	6.85%	6.54%

Call 1300 407 011 Request a call back

Helping you through uncertainty

We understand that life can be unpredictable at times and Australian Unity Bank recognises that there are a number of ways in which you may be impacted by the current events. You may be eligible for financial relief assistance to support you during uncertain times.

Find out more

Friends and family

We're happy to share the love

A good bank looks after its people, which is why we give our employees and partners special discounts and lower rates on home loans. Now, we’d like to extend that special treatment to your mob, family or friends to help make life more affordable.

Find out more

To find out more, call 1300 407 011 or email your query to aubankingconcierge@australianunity.com.au and mention the IBA “friends and family offer”

Contact us

Wellbeing

We help support our customers' wellbeing by creating products that help them save on health insurance and tools to improve their financial wellbeing.

Flexible

Our banking products give you the flexibility to change as your life does. From the little things like paying with your phone, to bigger things, like pausing your home loan repayments due to a life event.

Positive Impact

As a social enterprise, we focus on our customers, members and the community. For you, this looks like personalised service and competitive rates. Find out about our positive impact on the community.

Experience

Australian Unity has been helping Australians thrive for over 180 years, and for 30 of those we’ve been offering banking solutions with the real wellbeing of our customers and members in mind.

More tips to help you get the most out of your money

Home loan refinancing guide

Refinancing your home loan is a big decision that can affect your long-term financial position, so it's important to make sure you've covered everything you need to know before taking that step.

Find out more

Home loan rates

Rates are important when it comes to a home loan, but there's more time to think about when deciding which loan to choose.

Find out more

Reconciliation Action Plan

In 2016, Australian Unity launched its Reconciliation Action Plan (RAP) to affirm its commitment to build strong and respectful relationships with Aboriginal and Torres Strait Islander peoples, communities and businesses.

Find out more

Important information

Banking products are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Australian Unity Bank Limited is wholly owned subsidiary of Australian Unity Limited.

*Fees, charges and lending criteria apply. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Before acquiring any product you should read the relevant terms and conditions (including Terms of Use), any Product Disclosure Statement (if applicable), Financial Services Guide and Credit Guide – available here. Our Target Market Determinations are available here.

Information is correct as at 8 July 2024 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.

Australian Unity, 271 Spring St, Melbourne, Victoria 3000

¹Available for new loan applications only. Minimum loan amount $200,000. Other details on the home loans are available by contacting Australian Unity on 1300 407 011.

²Comparison Rate is based on a secured loan of $150,000 over a term of 25 years with monthly repayments. WARNING: This 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. Normal lending criteria apply. 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. 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.

³Offer not available for construction loans and is subject to approval. Australian Unity reserves the right to amend or discontinue the offer at any time. Standard lending criteria, fees, charges, terms and conditions apply.

⁴By linking an eligible transaction account (offset account) to your variable rate home loan, any funds held in your offset account reduces the interest you pay on your loan. Interest charged on your loan is calculated on your variable rate home loan balance minus the funds held in your offset account. As we calculate interest on the difference, funds in your offset account reduce the amount of interest charged on your variable rate home loan, helping you pay it off sooner.

What is a Comparison Rate? To find out more click here.

Our Target Market Determinations are available here.

Supporting you through every step, that's Banking that's good for you

We're proud to be a selected partner of Indigenous Business Australia (IBA). Through this partnership we are committed to building strong and respectful relationships with Indigenous Business Australia, Aboriginal and Torres Strait Islander peoples, communities and businesses.

Chat with us

Helping Indigenous Australians with home ownership

Dr Marcus Woolombi Waters

Explore our banking products

Home Loans

Health Wealth Happiness Home Loan Package

Partnership benefits

Product benefits

Transaction & Savings accounts

Everyday Transaction Account

Product benefits

Savings

Home Loan - Owner Occupier

Helping you through uncertainty

Friends and family

We're happy to share the love

Helpful links

Bank better with Australian Unity

A good bank reinvests profits for the benefit of its members, customers and the community

Wellbeing

Flexible

Positive Impact

Experience

More tips to help you get the most out of your money

Home loan refinancing guide

Home loan rates

Reconciliation Action Plan

Important information

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Supporting you through every step, that's Banking that's good for you

We're proud to be a selected partner of Indigenous Business Australia (IBA). Through this partnership we are committed to building strong and respectful relationships with Indigenous Business Australia, Aboriginal and Torres Strait Islander peoples, communities and businesses.

Helping Indigenous Australians with home ownership

Dr Marcus Woolombi Waters

Explore our banking products

Home Loans

Health Wealth Happiness Home Loan Package

Partnership benefits

Product benefits

Transaction & Savings accounts

Everyday Transaction Account

Product benefits

Savings

Home Loan - Owner Occupier

Helping you through uncertainty

Friends and family

We're happy to share the love

Helpful links

Bank better with Australian Unity

A good bank reinvests profits for the benefit of its members, customers and the community

Wellbeing

Flexible

Positive Impact

Experience

More tips to help you get the most out of your money

Home loan refinancing guide

Home loan rates

Reconciliation Action Plan

Important information