First Home Buyer Advantage Plus

Are you looking for your first home? Enjoy all the benefits from our Advantage Plus Home Loan with lower interest rates for the life of your loan.*
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Lower interest rates from our Advantage Plus Home Loan interest rates for the life of your loan*
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100% offset account so you can pay your loan off faster
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Express home loan service
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Waived Unity Bank establishment, valuation and legal fees^
Talk to a loans specialist
From
3.19% pa1
Owner Occupied P&I
Variable rate for LVR below 60%
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3.19% pa3
Comparison rate
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From
4.44% pa2
Owner Occupied P&I
Fixed rate 1 Year
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4.26% pa3
Comparison rate
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Useful Links
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First Home Buyers Advantage Plus |
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Features | Minimum Amount | $150,000 | Maximum Amount | 95% of the property value | Loan period | Up to 30 years | Repayments | Monthly, fortnightly, weekly | Interest charges | Calculated daily, charged monthly | Establishment fee | Waived | Legal Fees | Waived | Valuation Fees | Waived | Additional Repayments Fee | $0 | Redraw Facility | Yes fee free. Available on both variable and fixed rate loans. | Monthly account keeping/service fees | No | Top up facility available | Min $10,000 | Offset Account | Yes, 100% offset account with a Visa Debit for variable rate loans only |
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Credit eligibility criteria, terms and conditions, fees and charges apply.
^ Other fees and charges may apply and will be specified at the time the loan is approved
* Both variable and fixed rates for First Home Buyer Advantage Plus Home Loan offer you a lower interest rate. Lower interest rate offer ceases upon top-up or closure of original loan account.
1. Only available for First Home Buyers. Minimum home loan balance $150,000. Not available for top-ups or internal product switches. Maximum loan period 30 years. Interest rate calculated daily charged monthly. 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.
2. Only available for First Home Buyers. Minimum home loan balance $150,000. Not available for top-ups or internal product switches. Maximum loan period 30 years. Interest rate calculated daily charged monthly. After fixed period interest rate reverts to First Home Buyer Advantage Plus standard variable rate.
3. 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. 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 in length 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. Interest rates are on a per annum basis.