Home Loan Rates

• ¹ Available when at least one borrower meets essential worker criteria as a frontline ambulance officer, paramedic, firefighter, police officer, corrective services officer, nurse, aged care or disability worker, teacher, early childhood educator, defence or military personnel. For new security or new refinance applications only. Not available for existing G&C Mutual Bank or Unity Bank Loans.
• 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.
• ³ Special offer only available for new security. Not available for existing Unity Bank loans. Offer ends 15 December 2025 and may be amended or withdrawn at any time.
• ⁴ For Vic Homebuyer Loan contracts entered into prior to 7 March 2025, at the end of the fixed rate period the interest rate will revert to the VHB Standard Variable Rate, unless you choose a different fixed rate period.
• ⁵ Only available for new home loan and refinance applications, or for existing Unity Bank and G&C Mutual Bank home loan members who add an additional $50,000 to their existing home loan balance and have a minimum current loan amount of $250,000. Existing home loan members do not need to add an additional balance to switch to a new fixed loan.
• ⁶ ​Eligibility criteria, terms and conditions, fees and charges apply.
• ⁷ Retirees Access Home Loan - no principal or interest repayments are required.
• ⁸ At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product. Offset account not available on this product.
• ⁹ SMSF Loan Principal & Interest Investment Only <80% LVR. Credit eligibility criteria, terms and conditions, fees and charges apply. Not available for owner-occupied property or renovations. We require that you seek your own financial, tax, and legal advice before borrowing.
• ¹⁰ SMSF Loan Principal & Interest Investment Only <70% LVR. Credit eligibility criteria, terms and conditions, fees and charges apply. Not available for owner-occupied property or renovations. We require that you seek your own financial, tax, and legal advice before borrowing.

Eligibility criteria, terms and conditions and fees and charges apply.

* New refinance applications only. Not available for refinance of existing Unity Bank Loans. Minimum loan amount $100,000. ​

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