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Rates & Features

Variable Rates Principal & Interest Interest Only
  Interest Rate Comparison Rate Interest Rate Comparison Rate
LVR of 60% and below 6.44% p.a. 6.51% p.a. 6.74% p.a. 8.05% p.a.
LVR from 60% to 80% 6.59% p.a. 6.66% p.a. 6.89% p.a. 8.12% p.a.  
LVR from 80% to 90% 7.34% p.a. 7.41% p.a. 7.64% p.a. 8.44% p.a.
LVR Above 90% 7.74% p.a. 7.81% p.a. 8.04% p.a. 8.62% p.a.
Standard 8.99% p.a. 9.07% p.a. N/A N/A
Fixed Rates Principal & Interest Interest Only
  Interest Rate Comparison Rate Interest Rate Comparison Rate
1 Year 6.69% p.a. 8.83% p.a. 6.94% p.a. 8.86% p.a.
2 Year 6.69% p.a. 8.59% p.a. 6.99% p.a. 8.66% p.a.
3 Year 6.74% p.a. 8.40% p.a. 6.99% p.a. 8.48% p.a.
5 Year 6.94% p.a. 8.14% p.a. 7.24% p.a. 8.29% p.a.
Features  
Minimum Amount $10,000
Maximum Amount 95% of the property value
Loan period Up to 30 years
Repayments Monthly, fortnightly, weekly
Interest charges Calculated daily, charged monthly
Monthly account keeping/service fees No
Establishment fee $300 for fixed rate loans only
Legal Fees At cost
Valuation Fees  At cost
Additional Repayments Fee $0
Redraw Facility Available only on variable rate loans
Top up facility available Minimum $10,000
Auto repayments salary/account Yes
Offset Account No

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  • 1 These rates are for secured loans only. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $10,000 to their existing Unity Bank home loan balance. Minimum loan amount $10,000. Existing home loan members do not need to add an additional $10,000 to switch to a new fixed loan. 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 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.
  • 3 These rates are for secured loans only. Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $10,000 to their existing Unity Bank home loan balance. Minimum loan amount $10,000. Existing home loan members do not need to add an additional $10,000 to switch to a new fixed loan. Maximum loan period 30 years. Interest rate calculated daily charged monthly. After fixed period interest rate reverts to Advantage standard variable rate.

Credit eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate is subject to change.

* Unlimited extra repayments are available on variable rate loans only and extra repayments of up to $10,000 per year are available on fixed rate loans.