Unity Bank home loan rates
UNITY BANK LIMITED · ACL 238311 · Mutual/Credit union
Rates as at 2026-10-20. 82 rates across 55 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Essential Worker Home Loan | 6.05% | 6.10% | Variable | Owner occupier | P&I | — |
| Essential Worker Home Loan - Owner Occupier | 6.05% | 6.10% | Variable | Owner occupier | P&I | — |
| Australian Government 5% Deposit Scheme | 6.15% | 6.20% | Variable | Owner occupier | P&I | — |
| First Home Buyer Loan | 6.15% | 6.20% | Variable | Owner occupier | P&I | — |
| First Home Buyer Loan - Owner Occupied - SO | 6.15% | 6.20% | Variable | Owner occupier | P&I | — |
| QLD Boost to Buy | 6.15% | 6.18% | Variable | Owner occupier | P&I | — |
| Vic Homebuyer (VHB) Home Loan (2 tiers) | 6.15–7.49% | 6.18–7.52% | Variable | Owner occupier | P&I | — |
| Vic Homebuyer Fund | 6.15% | 6.18% | Variable | Owner occupier | P&I | — |
| Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO | 6.24% | 6.29% | Variable | Owner occupier | P&I | — |
| Momentum Home Loan* (3 tiers) | 6.24–6.44% | 6.29–6.49% | Variable | Owner occupier | P&I | — |
| Advantage Home Loan (without offset) | 6.34% | 6.39% | Variable | Owner occupier | P&I | — |
| Advantage Home Loan - Investment - Variable P&I - Without Offset | 6.34% | 6.59% | Variable | Investment | P&I | — |
| Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset | 6.34% | 6.39% | Variable | Owner occupier | P&I | — |
| Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO | 6.34% | 6.39% | Variable | Owner occupier | P&I | — |
| Fixed Rate Home Loan (3 tiers) | 6.35–6.65% | 6.44–6.74% | Variable | Owner occupier | P&I | — |
| Advantage Home Loan (with offset) | 6.44% | 6.49% | Variable | Owner occupier | P&I | — |
| Advantage Home Loan - Owner Occupied - Variable P&I - With Offset | 6.44% | 6.49% | Variable | Owner occupier | P&I | — |
| Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO | 6.44% | 6.49% | Variable | Owner occupier | P&I | — |
| Advantage Home Loan (without offset) | 6.49% | 6.54% | Variable | Owner occupier | Interest only | — |
| Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset | 6.49% | 6.54% | Variable | Owner occupier | Interest only | — |
| Advantage Home Loan (without offset) | 6.54% | 6.59% | Variable | Investment | P&I | — |
| Advantage Home Loan (with offset) | 6.59% | 6.64% | Variable | Owner occupier | Interest only | — |
| Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset | 6.59% | 6.64% | Variable | Owner occupier | Interest only | — |
| Momentum Home Loan - Property Investor * (3 tiers) | 6.60–6.80% | 6.65–6.85% | Variable | Investment | P&I | — |
| Momentum Home Loan - Property Investor * (3 tiers) | 6.60–6.80% | 6.65–6.85% | Variable | Investment | Interest only | — |
| Momentum Home Loan 60LVR - Property Investor - Variable - P&I | 6.60% | 6.65% | Variable | Investment | P&I | — |
| Momentum Home Loan 60LVR - Property Investor - Variable I/O | 6.60% | 6.65% | Variable | Investment | Interest only | — |
| Advantage Home Loan (with offset) | 6.64% | 6.69% | Variable | Investment | P&I | — |
| Advantage Home Loan - Investment - Variable P&I - With Offset | 6.64% | 6.69% | Variable | Investment | P&I | — |
| Fixed Rate Home Loan (2 tiers) | 6.65–6.80% | 6.74–6.89% | Variable | Owner occupier | Interest only | — |
| Fixed Rate Home Loan (2 tiers) | 6.65–6.80% | 6.74–6.89% | Variable | Investment | P&I | — |
| Advantage Home Loan (without offset) | 6.69% | 6.74% | Variable | Investment | Interest only | — |
| Advantage Home Loan- Investment - Variable - Interest Only - Without Offset | 6.69% | 6.74% | Variable | Investment | Interest only | — |
| Momentum Home Loan 60-80LVR - Property Investor - Variable - Interest Only | 6.70% | 6.75% | Variable | Investment | Interest only | — |
| Momentum Home Loan 60-80LVR - Property Investor - Variable - P&I | 6.70% | 6.75% | Variable | Investment | P&I | — |
| Advantage Home Loan (with offset) | 6.79% | 6.84% | Variable | Investment | Interest only | — |
| Advantage Home Loan - Investment - Variable - Interest Only - With Offset | 6.79% | 6.84% | Variable | Investment | Interest only | — |
| Fixed Rate Home Loan (2 tiers) | 6.80–6.95% | 6.89–7.04% | Variable | Investment | Interest only | — |
| Momentum Home Loan 80LVR - Property Investor - Variable - I/O | 6.80% | 6.85% | Variable | Investment | Interest only | — |
| Momentum Home Loan 80LVR - Property Investor - Variable - P&I | 6.80% | 6.85% | Variable | Investment | P&I | — |
| SMSF Loan - Property Investor (2 tiers) | 7.15–7.49% | 7.39–7.78% | Variable | Investment | P&I | — |
| SMSF Loan - Property Investor (2 tiers) | 7.15–7.49% | 7.39–7.78% | Variable | Investment | Interest only | — |
| Bridging Loan | 8.60% | 8.69% | Variable | Owner occupier | Interest only | — |
| Bridging Loan - Owner Occupied | 8.60% | 8.69% | Variable | Owner occupier | Interest only | — |
| Bridging Loan | 9.10% | 9.22% | Variable | Investment | Interest only | — |
| Bridging Loan - Investor | 9.10% | 9.22% | Variable | Investment | Interest only | — |
| Retirees Access Home Loan | 9.50% | 9.60% | Variable | — | Interest only | — |
| Retirees Access Home Loan | 9.50% | 9.60% | Variable | Owner occupier | Interest only | — |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths | 6.35% | 6.44% | Fixed | Owner occupier | P&I | 2 yr fixed |
| Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths | 6.50% | 6.29% | Fixed | Owner occupier | P&I | 1 yr fixed |
| Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths | 6.50% | 6.23% | Fixed | Owner occupier | P&I | 3 yr fixed |
| Fixed Rate Home Loan - Owner Occupier - I/O - 12 mths | 6.65% | 6.64% | Fixed | Owner occupier | Interest only | 1 yr fixed |
| Fixed Rate Home Loan - Owner Occupier - I/O - 24 mths | 6.65% | 6.64% | Fixed | Owner occupier | Interest only | 2 yr fixed |
| Fixed Rate Home Loan - Owner Occupier - I/O - 36 mths | 6.65% | 6.54% | Fixed | Owner occupier | Interest only | 3 yr fixed |
| Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths | 6.65% | 6.44% | Fixed | Owner occupier | P&I | 4 yr fixed |
| Fixed Rate Home Loan - Owner Occupier - P&I - 60 mths | 6.65% | 6.44% | Fixed | Owner occupier | P&I | 5 yr fixed |
| Fixed Rate Home Loan - Property Investor - P&I - 12 mths | 6.65% | 6.64% | Fixed | Investment | P&I | 1 yr fixed |
| Fixed Rate Home Loan - Property Investor - P&I - 24 mths | 6.65% | 6.64% | Fixed | Investment | P&I | 2 yr fixed |
| Fixed Rate Home Loan - Property Investor - P&I - 36 mths | 6.65% | 6.59% | Fixed | Investment | P&I | 3 yr fixed |
| Fixed Rate Home Loan - Owner Occupier - I/O - 48 mths | 6.80% | 6.79% | Fixed | Owner occupier | Interest only | 4 yr fixed |
| Fixed Rate Home Loan - Owner Occupier - I/O - 60 mths | 6.80% | 6.89% | Fixed | Owner occupier | Interest only | 5 yr fixed |
| Fixed Rate Home Loan - Property Investor - I/O - 12 mths | 6.80% | 6.84% | Fixed | Investment | Interest only | 1 yr fixed |
| Fixed Rate Home Loan - Property Investor - I/O - 24 mths | 6.80% | 6.84% | Fixed | Investment | Interest only | 2 yr fixed |
| Fixed Rate Home Loan - Property Investor - I/O - 36 mths | 6.80% | 6.74% | Fixed | Investment | Interest only | 3 yr fixed |
| Fixed Rate Home Loan - Property Investor - P&I - 48 mths | 6.80% | 6.69% | Fixed | Investment | P&I | 4 yr fixed |
| Fixed Rate Home Loan - Property Investor - P&I - 60 mths | 6.80% | 6.69% | Fixed | Investment | P&I | 5 yr fixed |
| Fixed Rate Home Loan - Property Investor - I/O - 48 mths | 6.95% | 6.84% | Fixed | Investment | Interest only | 4 yr fixed |
| Fixed Rate Home Loan - Property Investor - I/O - 60 mths | 6.95% | 6.84% | Fixed | Investment | Interest only | 5 yr fixed |
Conditions worth checking. The maximum LVR is 75% during the bridging period. If loan will be fully repaid after the sale of one property, the maximum LVR is 60% during the bridging period. | Eligibility: Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation Maximum LVR for this product is 95% with LMI | Eligibility: Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older | Eligibility: Available when at least one borrower meets essential worker criteria as a fron Eligibility: Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older | Eligibility: You must be an Australian citizen or permanent resident to apply | Eligibility: Applications for credit are subject to the Ba