Protected Action Clause1

It is all about strength in unity

Involved in a 'protected industrial action'?

You may be eligible to

  • get the benefit of our ‘protected action clause'1 in our loan contracts
  • postpone your loan repayments for up to 12 months during the protected industrial action (interest accrues)2
  • and relieve worry and pressure on personal and family finances


Community Support Loan1,2

Financial support when you and your family need it most

  • Special personal loan (unsecured)
  • Up to $10,000
  • Terms up to 10 years and repayment deferred up to 3 months2
  • Relieve financial hardship (recognised industrial action or community calamity)
  • Highly competitive personal loan interest rates (currently 5.25% pa3 comparison rate 5.25% pa4)
  • Waived Unity Bank establishment fee and express approval


Family Home Guarantee5

Eligible single natural or adoptive parents of at least one dependent and eligible single legal guardians of at least one dependent, such as aunts, uncles or grandparents purchase their own family home.6

  • Buy with a deposit from just 2% and no LMI through the Family Home Guarantee7
  • Assistance and support in helping you qualify for the Australian Government's Family Home Guarantee
  • Waived Unity Bank establishment, valuation, settlement and legal fees8
  • Express home loan service


First Home Guarantee9

A great first break for eligible home buyers with thousands of dollars in savings available!

  • Rates starting as low as 5.74%9 (comparison rate 6.88% pa10)
  • Waived Unity Bank establishment, valuation, settlement and legal fees8
  • Buy with a deposit from just 5% and no LMI through the First Home Guarantee7
  • Protected Action Clause protection1


Home Loan Refinance Offer1,2

Refinance for maximum benefit and save on interest too!

  • Special home loan refinance offer for union members2
  • Easy express loan approval
  • Rates starting as low as 6.49% pa* (comparison rate 6.81% pa10)
  • Waived Unity Bank establishment, valuation, settlement and legal fees**
  • Added benefit and protection of Unity Bank’s unique Protected Action Clause1


New Car Fleet Discount11

Get your car, your low-rate loan and your car insurance all through Unity Bank, from the comfort of your home.

  • Car search service for Unity Bank members looking to purchase brand new car.
  • Rates starting as low as 7.44% pa12 (comparison rate 7.79% pa13)
  • Fixed repayments
  • 100% finance
  • New or used cars up to 7 years old


Get in touch with our relationship managers below for more details

Credit eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate is subject to change.

1. Protected Action Clause available for all Unity Bank members while involved in “protected industrial action” under the Fair Work Act, 2009 (Cth). Members with loans contracted before 13/9/21, must first apply to Unity Bank to vary their loan contract to include the Protected Action Clause. Prior to becoming involved in a protected industrial action Member must not be in default under their loan contract. Member must request Unity Bank to postpone repayments in part or in full.

2. Loan deferment option, community support and refinance offer available at the discretion of the Bank and subject to approval. Interest accrues and is capitalised to the loan throughout the approved loan repayment deferral period.

3. Interest rate shown applies to an unsecured personal loan rate.

4 Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for unsecured loans only. WARNING: These Comparison Rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate. Interest rates are on a per annum basis.

5. Only available for eligible single parents or eligible single legal guardians of at least one dependent, including those who are not first home buyers. Interest rate shown applies to a First Home Buyer Advantage Plus Variable Rate P&I Owner Occupied (LVR 60% and below). Minimum home loan balance $150,000. Not available for top ups or internal product switches. Loan to Value Ratio (LVR), is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank.

6. Documentation supporting guardianship may be required.

7. The First Home Guarantee and Family Home Guarantee are not cash payments or deposits for your home loan.

8. Other fees and charges may apply and will be specified at the time the loan is approved. Valuation fee waived for one property only.

9. Only available for eligible first home buyers or previous home owners who haven't owned a property in the ten years prior to the date they execute their home loan. Interest rate shown applies to a First Home Buyer Advantage Plus 3 Year Fixed Rate P&I Owner Occupied. Minimum home loan balance $150,000. Not available for top ups or internal product switches. 

10. Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only. WARNING: These Comparison Rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate. Interest rates are on a per annum basis.

11. New car fleet discount offered by National Car Search Australia ABN 51 090 920 059 for general information only. You should verify the accuracy and completeness of the information yourself. National Car Search Australia is not available in Tasmania or The Northern Territory. Limited service provided in Western Australia. Insurance issued by Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. The offer can be withdrawn at any time without notice.

12. Interest is calculated daily and charged monthly. Minimum loan amount $10,000. Only available for new car loans, no internal product switches.

13. Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for secured loans only. WARNING: These Comparison Rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison Rate.

* Interest rate shown applies to an Advantage Plus Variable Rate P&I Owner Occupied (LVR 60% and below).

** Other fees and charges may apply and will be specified at the time the loan is approved. Valuation fee is waived for one property up to $360.

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© 2024 Unity Bank Limited. | ABN 11 087 650 315 | AFSL/Australian Credit Licence 240399 | BSB 882 000 Reliance Bank is a division of Unity Bank Limited. Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review our Disclosure Documents before acquiring any product.

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We acknowledge the Traditional Owners of the lands on which we operate and pay our respects to Elders past and present, and to emerging community leaders. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which Unity Bank operates and where our team members reside.