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Advantage Plus

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The Advantage Plus offers you complete flexibility with a full range of features with variable and fixed rate options.

  • 100% offset account available on variable rate loans only
  • Free redraw available on both variable and fixed rate loans
  • Ability to split loan
  • Flexible repayment options at no extra cost**

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From
6.49% pa1 
Owner Occupied P&I
Variable rate for LVR below 60%

   
6.81% pa3 
Comparison rate

From
6.64% pa2 
Owner Occupied P&I
Fixed rate 3 Years

   
7.79% pa3 
Comparison rate

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All displayed interest rates for Owner Occupied loans only. Investment rates available by clicking here


Advantage Plus
Features
Annual Fee$299 
Minimum Amount$150,000 
Maximum Amount95% of the property value
Loan periodUp to 30 years
RepaymentsMonthly, fortnightly, weekly
Interest chargesCalculated daily, charged monthly
Establishment feeWaived
Legal FeesAt cost
Valuation FeesWaived, up to $360 and 1 ppty
Additional Repayments Fee$0 
Redraw FacilityYes, available on both variable and fixed rate loans 
Monthly account keeping/service feesNo
Top up facility availableMin $10,000
Offset AccountYes, 100% offset account with a Visa Debit for variable rate loans only 




Please refer to the Advantage Plus Terms & Conditions here for full details.

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.
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 $150,000. 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. 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 $150,000. 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 Plus standard variable rate.
3Comparison 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.