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Owner Occupier Home Loans

Choosing the right home loan is easy

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

Australian Unity Banking Home Loan Kickstarter Package
Up to
3.64%p.a. Variable rate5
3.67%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.

1.12% 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 0.37% making it 1.12% 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 rate5
4.79%p.a. Comparison rate1

Standard Variable Rate

Discounted variable rate:

Up to
3.64%p.a. Variable rate5
3.67%p.a. Comparison rate1

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

Up to
3.99%p.a. Variable rate5
4.02%p.a. Comparison rate1
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 Rate5
4.02%p.a. Comparison Rate1

Standard variable

4.76% p.a.5
4.79% p.a.1

1 year fixed

3.99% p.a.5
4.02% p.a.1

3 year fixed special5

3.84% p.a.5
3.99% p.a.1

5 year fixed

4.40% p.a.5
4.19% p.a.1

Health, Wealth and Happiness: Interest Only Repayments

Up to
4.79%p.a. Variable Rate
4.82%p.a. Comparison Rate1

Standard variable

5.51% p.a.
5.54% p.a.1

1 year fixed

4.94% p.a.
4.84% p.a.1

3 year fixed

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

5 year fixed

5.35% p.a.
5.06% p.a.1
Up to
3.84%p.a. Variable rate13
4.23%p.a. Comparison rate1
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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Compare home loans

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.

View interest only rates

Interest rate table

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



Variable rate

3.99% variable 5/4.02% comparison 1

3.84%  variable 5/4.23% comparison 1




1 Year fixed rate

3.99% fixed 5/4.02% comparison 1

3.94% fixed 5/4.24% comparison 1




3 Year fixed rate

3.84% fixed 5/3.99% comparison 1

3.79%  fixed 5/4.22% comparison 1




5 Year fixed rate

4.40% fixed 5/4.19% comparison 1

4.35%  fixed 5/4.44% 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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See how we've been awarded for rewarding you with great rates

Ratings


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

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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.

Available for new loans only. 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 March 2018. 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 March 2018 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 health insurance brokers or comparators. Not to be used in conjunction with any other offer or discount. Excludes Overseas Visitors Cover.

3 To be eligible for $100 credit, house and contents/landlord's 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 Australian Unity Bank Limited 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 Australian Unity. If you purchase insurance Australian Unity receives commission. Ask us for more information.

4 Australian Unity Bank Limited 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 when you speak to us on 1300 790 740. We're here Mon-Fri 8.30am - 5.30pm AEST. If you're overseas, call +61 3 8682 7666 . 12 months’ Emergency Home Assistance Lite membership - Offer valid for new Home Building, Contents or Landlord insurance policies purchased through Australian Unity Bank. 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 This interest rate applies to home loans with principal and interest repayments only. Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994.

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.