Buying your first home
At Unity Bank, we’ve helped thousands of our young Members buy their first home and achieve their home ownership dream. We understand how exciting it can be to buy your first home and how overwhelming it can also be. If you're also a first home buyer, take advantage of our low discounted rates and waived Unity Bank establishment, legal and valuation fees (government charges apply). You may save thousands of dollars on your first home. The stamp duty scheme released by the Australian Government for first home buyers is also a welcome helping hand. Together with our discounted rates only for first home buyers, it is a great opportunity to buy your first home. You will find more details on the special discounted rates and information only for first home buyers on this page. If you have any questions, click the button on the right. Alternatively, you can contact us by phone on 1300 36 2000 or email at mail@unitybank.com.au |
Get in touch today! |
Home Loans for First Home Buyers - Owner Occupied
Fixed Rate Home Loans
Enjoy the certainty of knowing your repayments do not change for a set period with our low fixed interest rates and no fees.
- NO LMI on LVR up to 85% for first home buyers
- FLEXIBLE repayment options at no extra cost
Principal & Interest | Interest Only | |||
---|---|---|---|---|
Owner Occupied First Home Buyers Fixed Rate Home Loans1 | Interest Rate | Comparison Rate | Interest Rate | Comparison Rate |
Fixed 1 Yeara | 1.84% pa | 2.33% pa2 | 3.48% pa | 2.47% pa2 |
Fixed 2 Yeara | 3.04% pa | 2.49% pa2 | 3.83% pa | 2.62% pa2 |
Fixed 3 Yeara | 3.69% pa | 2.71% pa2 | 4.18% pa | 2.82% pa2 |
Fixed 5 Yeara | 4.39% pa | 3.18% pa2 | 4.79% pa | 3.31% pa2 |
Variable Special Home Loans
Get better rates based on your LVR. Different interest rates will apply according to your LVR plus all the benefits that come with our standard First Rate.
- UNLIMITED redraw facility available
- FLEXIBLE repayment options at no extra cost
- NO early repayment penalties
|
Principal & Interest and Interest Only | |
---|---|---|
Owner Occupied First Home Buyer First Rate Variable Special Home Loans1 | Interest Rate | Comparison Rate |
First Home Buyer First Rate Variable Special (LVR of 70% and below) | 2.28% pa | 2.28% pa2 |
First Home Buyer First Rate Variable Special (Above 70% LVR) | 2.38% pa | 2.38% pa2 |
More information to help you on your journey
Home Loan calculators
Play with these calculators to get your estimated repayments, borrowing power and stamp duty costs.
How much can I borrow? How much will my repayments be? How much is stamp duty?
Need help? Get in touch today!
Give us a call Talk to a Loans Specialist
What are the terms and definitions you might need to know? |
For any further information on please visit our Buying a Home FAQs |
Credit eligibility criteria, terms and conditions, fees and charges apply.
1. Only available for First Home Buyers. 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.
2. 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.
a. After fixed period interest rate reverts to First Home Buyer Variable Rate Special dependant on LVR.