Buy your home with a 5% deposit*
Buying a home can feel out of reach when saving a 20% deposit. Through our partnership with Generate Homes, we’re helping more Australians bridge that gap and buy sooner.
Generate Homes combines two loans that work together seamlessly:
Together, they form a home loan package with up to 95% Loan to Value Ratio (LVR), helping you move into your new home faster.*
The Generate Home Loan pathway is designed for people who have a strong income and repayment ability but haven’t yet saved a full deposit.
It’s ideal for:
If you’ve built a stable career and can comfortably manage repayments, Generate Homes helps you take the next step without waiting years to save the full deposit.
G&C Mutual Bank and Unity Bank are proudly member-owned, built on the principle that banking should serve people, not shareholders. Every member is an owner, and every decision we make is guided by fairness, transparency, and the long-term financial wellbeing of our members.
Our partnership with Generate Homes builds on that commitment. Together, we’re creating a simpler, fairer way for Australians to buy their homes by combining ethical banking with innovative lending solutions that put people first.
Support at every step, from understanding your options to finding the right path into your new home.
*Generate Home Loans are made by Generate Homes Pty Limited ACN 660 011 692 and serviced by AHC Finance Pty Limited ACN 161 006 846 Australian Credit Licence 448165.
