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to help you find your place

Choosing the right home loan is easy

We've created a range of competitive, independently endorsed home loans for every kind of person.

Australian Unity Banking Home Loan Kickstarter Package
Up to
3.71%p.a. Variable rate13
3.74%p.a. Comparison rate1

Available on Principal and Interest owner occupied only. Interest Only not currently offered for this product

Our lowest standard variable rate. Plus the confidence of having your own dedicated personal banker to guide you through. Market-leading affordability and truly personalised service. What's not to like?
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More than just great rates

Unlimited redraws ($500 min)

Want more flexibility? Our redraw facility lets you access $500 or more from loan repayments you've made over and above your scheduled payments.

1.05% discount on the Standard Variable Rate

Enjoy 0.75% ongoing discount off the published Standard Variable Home Loan rate for the life of the loan. Plus for limited time an additional 0.30% making it 1.05% ongoing discount.

Borrow up to 80% LVR

Borrow up to 80% of the value of your property (the Loan Value Ratio).

One-off establishment fee

A single $600 establishment fee has you covered, and gives you access to great savings and rate discounts.

Kickstarter home loan rates:

Up to
4.76%p.a. Variable rate13
4.79%p.a. Comparison rate1

Standard Variable Rate

Discounted variable rate:

Up to
3.71%p.a. Variable rate13
3.74%p.a. Comparison rate1

Available on Principal and Interest owner occupied only. Interest Only not currently offered for this product

Up to
3.84%p.a. Fixed rate13
3.99%p.a. Comparison rate1

Owner occupier 3 year fixed rate special

A full-featured loan with industry-leading rates, an offset account and the ability to fix your interest rate. Dedicated service from your own personal banker with the option to borrow up to 90% of the value of your property.
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More than just great rates

100% offset facility

Reduce interest on your home loan by linking your loan to a transaction account to offset the loan’s principal.5

0.77% discount on the Standard Variable Rate

Enjoy 0.60% ongoing discount off the published Standard Variable Home Loan rate for the life of the loan. Plus for limited time an additional 0.17% making it 0.77% ongoing discount.

Borrow up to 90% LVR inc LMI

Borrow up to 90% of the value of your property (the Loan Value Ratio) including lender’s mortgage insurance (LMI).

One-off establishment fee

A single $600 establishment fee has you covered, and gives you access to great savings and rate discounts.

Health, Wealth and Happiness: Principal and Interest Repayments

Up to
3.99%p.a. Variable Rate13
4.02%p.a. Comparison Rate1

Standard variable

4.76% p.a.13
4.79% p.a.1

1 year fixed

3.99% p.a.13
4.02% p.a.1

3 year fixed special5

3.84% p.a.13
3.99% p.a.1

5 year fixed

4.40% p.a.13
4.19% p.a.1

Health, Wealth and Happiness: Interest Only Repayments (construction loan only).

Up to
4.29%p.a. Variable Rate
4.32%p.a. Comparison Rate1

Standard variable

5.01% p.a.
5.04% p.a.1

1 year fixed

4.44% p.a.
4.34% p.a.1

3 year fixed

4.29% p.a.
4.32% p.a.1

5 year fixed

4.85% p.a.
4.56% p.a.1
Up to
3.84%p.a. Variable rate13
4.23%p.a. Comparison rate1

Package interest rates

Packaging up our competitive Health, Wealth and Happiness owner occupier home loans means you and your family can enjoy even more savings. These include interest rate discounts, establishment fee waiver, fee-free switching plus a great range of benefits across health and home insurance.
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Health, Wealth and Happiness
Loan
Health, Wealth and Happiness Package

$600 establishment fee payable

 

 

$399 annual fee payable (no establishment fee)

 

 

Annual fee waiver on a Big Sky credit card

 

 

10% discount on Australian Unity health insurance 2

 

 

$100 Allianz home and contents insurance credit3

 

 

12 months of Emergency Home Assistance (value $123) free when you take out a new Allianz Home Building, Contents or Landlord policy through Australian Unity 4

 

 

No fee when switching from a variable to a fixed interest rate (normally $249)

 

 

Australian Unity packages are available on Health, Wealth and Happiness home loans with both principal and interest repayments.

Interest rate table

Health, Wealth and Happiness Loan
interest rates
Health, Wealth and Happiness Package
interest rates



Variable rate

3.99% variable 13/4.02% comparison 1

3.84%  variable 13/4.23% comparison 1




1 Year fixed rate

3.99% fixed 13/4.02% comparison 1

3.94% fixed 13/4.24% comparison 1




3 Year fixed rate

3.84% fixed 13/3.99% comparison 1

3.79%  fixed 13/4.22% comparison 1




5 Year fixed rate

4.40% fixed 13/4.19% comparison 1

4.35%  fixed 13/4.44% comparison 1

Enquire today to about our great package options available on this home loan and see what you can save.


Enquire
Up to
4.39%p.a. variable rate13
4.42%p.a. comparison rate1
We can help make your investment work harder for you, with low fixed and variable interest rates and the ability to add an offset account. Combined with highly personalised service, it's all here. Welcome to Wealth Builder.
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Apply online

More than just great rates

100% offset facility

Reduce interest on your home loan by linking your loan to a transaction account to offset the loan’s principal.5

0.40% discount on the Standard Variable Rate

Enjoy 0.30% ongoing discount off the published Standard Variable Home Loan rate for the life of the loan. Plus for limited time an additional 0.10% making it 0.40% ongoing discount.

Borrow up to 90% LVR inc LMI

Borrow up to 90% of the value of your property (the Loan Value Ratio) including lender’s mortgage insurance (LMI).

One-off establishment fee

A single $600 establishment fee has you covered, and gives you access to great savings and rate discounts.

Wealth Builder: Principal and Interest Repayments

Up to
4.39%p.a. Variable Rate13
4.42%p.a. Comparison Rate1

Wealth Builder: Principal and Interest Repayments

Standard variable

4.79% p.a.13
4.82% p.a.1

1 year fixed

4.44% p.a.5
4.43% p.a.1

3 year fixed special5

4.44% p.a.
4.44% p.a.1

5 year fixed

4.85% p.a.5
4.62% p.a.1

Wealth Builder: Interest Only Repayments (Not currently available)

Up to
5.04%p.a. Variable Rate
5.07%p.a. Comparison Rate1

Wealth Builder: Interest Only Repayments (Not currently available)

Standard variable

5.54% p.a.
5.57% p.a.1

1 year fixed rate

5.14% p.a.
5.08% p.a.1

3 year fixed rate

5.14% p.a.
5.10% p.a.1

5 year fixed rate

5.55% p.a.
5.29% p.a.1
Up to
4.24%p.a. Variable rate13
4.62%p.a. Comparison rate1

Package interest rates

Get more out of your investor loan when you package it up. Our competitive Wealth Builder investor loan package option means you can enjoy even more savings, including interest rate discounts, establishment fee waiver, fee-free switching plus a great range of benefits across health and home insurance.

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Compare home loans

Wealth Builder Investor Loan
Wealth Builder Investor Package

$600 establishment fee payable

 

 

$399 annual fee payable (no establishment fee)

 

 

Annual fee waiver on a Big Sky credit card

 

 

10% discount on Australian Unity health insurance2

 

 

$100 Allianz home and contents insurance credit3

 

 

12 months of Emergency Home Assistance (value4 $123) free when you take out a new Allianz Home Building, Contents or Landlord policy through Australian Unity4

 

 

No fee when switching from a variable to a fixed interest rate (normally $249)

 

 

Australian Unity packages are available on Wealth Builder home loans with both principal and interest repayments.

Interest rate table

Wealth Builder Investor Loan
interest rates
Wealth Builder Investor Package
interest rates13



Variable rate

4.39% variable 13/4.42% comparison 1

4.24% variable 13/4.62% comparison 1




1 Year fixed rate 5

4.44% fixed 5/4.43% comparison 1

4.39% fixed 5/4.63% comparison 1




3 Year fixed rate5

4.44% fixed 5/4.44% comparison 1

4.39% fixed 5/4.66% comparison 1




5 Year fixed rate 5

4.85% fixed 5/4.62% comparison 1

4.80%fixed 5/4.85% comparison 1

Enquire today to about our great package options available on this home loan and see what you can save.

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How we make home loans easier for you

  • We come to you. We know you're busy and that you want fast decisions, so our mobile banker will come to you when it suits you, at home or work, even after hours.
  • Real people who work for you. Our personal bankers are always happy to help you with your banking needs, large or small. Just ask.
  • A proud tradition of service. Our people focus isn't new. We've been helping Australians become financially secure over 175 years.
  • Much more for less. Our market-leading benefits and inclusions include ongoing rate discounts, a 100% offset facility, no annual credit card fees and more.

Testimonial

I refinanced my existing home loans last year plus added a new one. I am very happy with the service I received. Australian Unity treats me with respect and patience. Staff are helpful, have good product knowledge and have a human side which makes them a winner. Keep up the good work!
Ali, Bellfield NSW

Home loan enquiry form

Our products

Important information

Lending criteria apply for all loans and credit cards. Please refer to Terms of Use before applying for any product.

1 Available for new loans only. Other details on the investor loan package are available by contacting Australian Unity on 1300 790 740. Home and Investment Loan Comparison Rate is based on a secured loan $150,000 over a term of 25 years with fortnightly repayments. Comparison Rate is effective 1 November 2017. 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. All information is correct as at 1 November 2017 and is subject to change.

2 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 brokers or comparators. Not to be used in conjunction with any other offer or discount. Excludes Overseas Visitors Cover.

Conditions apply. To be eligible for $100 credit, house and contents insurance must be purchased together via our Customer Service Centre through direct debit or credit card payment. Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discount/entitlement. This benefit available with Allianz Classic Home Insurance for Financial Institution customers. Discounts may not be applied to any flood component of the premium (if applicable). In arranging insurance Big Sky Building Society Ltd ABN 30 087 652 079 AFSL 237994 acts as an agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision about insurance, please consider the Product Disclosure Statement issued by Allianz and available from Big Sky. If you purchase insurance Big Sky receives commission. Ask us for more information.

Big Sky Building Society ABN 30 087 652 079 AFSL 237994 arranges this insurance as agent of the insurer Allianz Australia Insurance Limited. ABN 15 000 122 850 AFSL 234708. Policy terms, conditions and exclusions apply. Before making a decision about this insurance please consider the Product Disclosure Statement available www.bigsky.net.au/insurance. 12 months’ Emergency Home Assistance Lite membership - Offer valid for new Home Building, Contents or Landlord insurance policies purchased through your financial institution. Property owners only. 12 months’ Emergency Home Assistance membership provided by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance. Full terms, conditions, limits and exclusions available at https://www.allianz.com.au/emergency-home-assistance/

5 The published fixed rates include the 0.10% fixed rate discount. The repayments for your fixed rate loan must be debited from your Australian Unity transaction or offset account for you to continue to receive this discount. Offset facility incurs a $10 monthly fee for the Wealth Builder Investor Loan and Wealth Builder Investor Package.

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

Key facts sheets
Refer to home loan key facts sheet detailing the facts relating to your loan, including interest rate, repayments and fees, which can be used for comparison with other similar products on the market.

Fees and Charges
Refer to Fees and Charges for information on current fees and charges.

13 This interest rate applies to home loans with principal and interest repayments only.

Australian Unity owner occupier loans, investor loans, transaction and savings accounts are issued by Big Sky Building Society Ltd ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Big Sky Building Society is a fully owned subsidiary of Australian Unity Limited.