A good bank knows support
goes beyond the buzzer

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 (including 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 17 July 2019 and subject to change.

¹ Terms and Conditions of the offer include; Offer applies to new customers only, who are refinancing an existing home loan to Australian Unity, the $1000 cash back offer is a one off payment only, is not transferable and is payable into the customer’s Australian Unity transaction account upon settlement of the loan. Australian Unity reserves the right to amend or discontinue the cash back offer at any time. Loans must be approved and settled to qualify for the offer. Standard lending criteria, fees, charges, terms and conditions apply. The cash back payment of $1000 does not affect the cost of the loan in any way.

² Fee waivers and discounted interest rates continue for term of engagement. Fees and charges apply.

³ Available for new loans only. Principal & interest loans: The rate includes a 0.97% discount off the standard variable rate for the Health Wealth Happiness Home Loan, 1.12% discount off the standard variable rate for the Health Wealth Happiness Home Loan Package. The 0.97% discount for Health Wealth Happiness Home Loan includes a 0.60% conditional product discount and a campaign sign on discount of 0.37%. The 1.12% discount for Health Wealth Happiness Home Loan Package includes a 0.60% conditional product discount and a campaign sign on discount of 0.52%. To maintain access to the ongoing discount the repayments for your loan must be debited from an Australian Unity transaction or offset account.

⁴ Comparison 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.

⁵ Available for new loans only. The rate includes a 1.27% discount off the standard variable rate for the Kickstarter Home Loan. The 1.27% discount for the Kickstarter Home Loan includes a 0.75% conditional product discount and campaign sign on discount of 0.52%. To maintain access to the ongoing discount the repayments for your loan must be debited from an Australian Unity transaction account.

⁶ WARNING - Comparison rate calculation is based on a loan of $10,000 over 3 years with fortnightly repayments unless otherwise stated. The comparison rates apply only to the example/s given. Normal lending criteria applies, interest rate is per annum and is variable. 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. All interest rates are subject to change without notice. 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 (including Terms of Use), any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

⁷ Australian Unity Bank Limited, ABN 30 087 652 079 AFSL No 237994 (Australian Unity) is authorised: For Home, Landlord, Motor and Caravan & Trailer Insurance, to refer you online to the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz) and to arrange insurance over the phone and provide you with general advice on this insurance as agent for Allianz. For Pleasure Craft Insurance, to refer you to Allianz as its agent. Australian Unity is not authorised to provide general advice on Pleasure Craft Insurance. Any advice on this insurance is provided by Allianz and not Australian Unity. Pleasure Craft Insurance is issued and managed by Club Marine Limited ABN 12 007 588 347 AFSL 236916 (“Club Marine"). Club Marine is an agent of the insurer Allianz and is a member of the Allianz Group. Club Marine Assist is provided by Club Marine Limited. Assistance services are provided by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL No. 245631 (AWP) trading as Allianz Global Assistance. For Worldcare Travel Insurance, to refer you to AWP under an arrangement with AWP. Worldcare Travel insurance is underwritten by the insurer Allianz and issued and managed by AWP, trading as Worldcare and Allianz Global Assistance. Any advice is not based on any consideration of your objectives, financial situation or needs. Therefore, you should consider whether the advice is suitable for you and your personal circumstances. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statements available from this page. If you purchase this home, landlord, motor, caravan and trailer or pleasure craft insurance, we will receive a commission from Allianz that is a percentage of the premium. If you purchase a travel insurance policy we will not receive a commission from AWP but will receive from Allianz a reimbursement for costs associated with distribution of insurance products up to an agreed amount. For more details of how we are paid refer to our Financial Services Guide. It’s important that you read our FSG before acting on any advice or taking out insurance through us. You can download the Australian Unity Bank Limited FSG here.

^{^} 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 Visitor Cover. Health Insurance is issued by Australian Unity Health Limited ABN 13 078 722 568