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. This rate is for secured loans only. WARNING: This comparison rate is 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 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.
• ⁴ 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.
• ⁵ New loans only. Unity Bank is authorised to offer the Boost to Buy Home Ownership Scheme (the scheme) under which the Queensland Government makes a financial contribution of up to 30% (new homes) and up to 25% (existing homes) of the value of the property up to $1 million in exchange for ongoing equity in the property. Purchasers must be Australian citizens or permanent residents, at least 18 years of age, meet income caps and occupy the home as their principal place of residence.
• ⁶ Retirees Access Home Loan - no principal or interest repayments are required.
• ⁷ 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.
• ⁸ Not available for owner-occupied property or renovations. We require that you seek your own financial, tax, and legal advice before borrowing. SMSF Loan rates apply to new business or new securities only.

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

Eligibility criteria, terms & conditions and fees & charges apply. All applications are subject to a credit assessment. All applicable terms and conditions, and fees and charges, will be included in our formal loan offer.

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