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Loan Rates

Loan Rates

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View the rates our bank offers on loans. Apply Online Talk to us

Owner Occupied Home Loans - Download in PDF 

 

Principal & Interest Interest Only
Advantage1 Interest Rate Comparison Rate Interest Rate Comparison Rate
Variable rate (LVR of 60% and below)a9 6.24% pa 6.31% pab 6.24% pa 7.62% pab
Variable rate (LVR from 60% to 80%)a9 6.44% pa 6.51% pab 6.44% pa 7.71% pab
Variable rate (LVR from 80% to 90%)a9 7.04% pa 7.11% pab 7.04% pa 7.96% pab
Variable rate (Above 90% LVR)a9 7.44% pa 7.51% pab 7.44% pa 8.14% pab
Variable Standard 8.59% pa 8.67% pab N/A N/A
Variable Bridging Loan N/A N/A 8.59% pa 8.71% pab
Fixed 1 Yearc 6.89% pa 8.50% pab 6.89% pa 8.50% pab
Fixed 2 Yearc 6.79% pa 8.30% pab 6.79% pa 8.31% pab
Fixed 3 Yearc 6.79% pa 8.14% pab 6.79% pa 8.15% pab
Fixed 5 Yearc 6.89% pa 7.90% pab 6.89% pa 7.92% pab

 

Principal & Interest Interest Only
Advantage Plus2 Interest Rate Comparison Rate Interest Rate Comparison Rate
Variable rate (LVR of 60% and below)a 6.49% pa 6.81% pab 6.49% pa 7.53% pab
Variable rate (LVR from 60% to 80%)a 6.64% pa 6.96% pab 6.64% pa 7.60% pab
Variable rate (LVR from 80% to 90%)a 7.24% pa 7.55% pab 7.24% pa 7.86% pab
Variable rate (Above 90% LVR)a 7.64% pa 7.95% pab 7.64% pa 8.04% pab
Variable Standard 7.84% pa 8.15% pab N/A N/A
Fixed 1 Yeard 6.74% pa 8.03% pab 6.74% pa 8.02% pab
Fixed 2 Yeard 6.64% pa 7.90% pab 6.64% pa 7.89% pab
Fixed 3 Yeard 6.64% pa 7.79% pab 6.64% pa 7.78% pab
Fixed 5 Yeard 6.74% pa 7.65% pab 6.74% pa 7.64% pab

 

Principal & Interest Interest Only
First Home Buyer Advantage Plus3 Interest Rate Comparison Rate Interest Rate Comparison Rate
Variable rate (LVR of 60% and below)a 6.24% pa 6.24% pab 6.24% pa 6.87% pab
Variable rate (LVR from 60% to 80%)a 6.24% pa 6.24% pab 6.24% pa 6.87% pab
Variable rate (LVR from 80% to 90%)a 6.24% pa 6.24% pab 6.24% pa 6.87% pab
Variable rate (Above 90% LVR)a 6.24% pa 6.24% pab 6.24% pa 6.87% pab
Variable Standard 7.34% pa 7.34% pab N/A N/A
Fixed 1 Yeare 6.49% pa 7.25% pab 6.49% pa 7.25% pab
Fixed 2 Yeare 6.39% pa 7.15% pab 6.39% pa 7.15% pab
Fixed 3 Yeare 6.39% pa 7.06% pab 6.39% pa 7.07% pab
Fixed 5 Yeare 6.49% pa 6.96% pab 6.49% pa 6.97% pab

 

Principal & Interest Interest Only
Overdraft Interest Rate Comparison Rate Interest Rate Comparison Rate
Flexi Home Equity (S33)^ 8.50% pa N/A N/A N/A

 

Investment Home Loans - Download in PDF

 

Principal & Interest Interest Only
Advantage1 Interest Rate Comparison Rate Interest Rate Comparison Rate
Variable rate (LVR of 60% and below)a9 6.44% pa 6.51% pab 6.74% pa 8.05% pab
Variable rate (LVR from 60% to 80%)a9 6.59% pa 6.66% pab 6.89% pa 8.12% pab
Variable rate (LVR from 80% to 90%)a9 7.34% pa 7.41% pab 7.64% pa 8.44% pab
Variable rate (Above 90% LVR)a9 7.74% pa 7.81% pab 8.04% pa 8.62% pab
Variable Standard 8.99% pa 9.07% pab N/A N/A
Fixed 1 Yearc 6.69% pa 8.83% pab 6.94% pa 8.86% pab
Fixed 2 Yearc 6.69% pa 8.59% pab 6.99% pa 8.66% pab
Fixed 3 Yearc 6.74% pa 8.40% pab 6.99% pa 8.48% pab
Fixed 5 Yearc 6.94% pa 8.14% pab 7.24% pa 8.29% pab

 

Principal & Interest Interest Only
Advantage Plus2 Interest Rate Comparison Rate Interest Rate Comparison Rate
Variable rate (LVR of 60% and below)a 6.64% pa 6.96% pab 6.94% pa 7.81% pab
Variable rate (LVR from 60% to 80%)a 6.79% pa 7.11% pab 7.09% pa 7.88% pab
Variable rate (LVR from 80% to 90%)a 7.54% pa 7.85% pab 7.84% pa 8.21% pab
Variable rate (Above 90% LVR)a 7.94% pa 8.25% pab 8.24% pa 8.40% pab
Variable Standard 7.99% pa 8.30% pab N/A N/A
Fixed 1 Yeard 6.54% pa 8.14% pab 6.79% pa 8.16% pab
Fixed 2 Yeard 6.54% pa 7.99% pab 6.84% pa 8.05% pab
Fixed 3 Yeard 6.59% pa 7.88% pab 6.84% pa 7.94% pab
Fixed 5 Yeard 6.79% pa 7.75% pab 7.09% pa 7.88% pab


Personal Lending - Download in PDF 

Loan Type Interest Rate Comparison Rate
Premium Personal Loan* 12.24% pa 12.46% pa5
Personal Loan Variable (L1)** 14.24% pa 14.79% pa5
Credit Card Introductory Rate (S10)4 7.74% pa8 N/A
Credit Card Standard Rate (S10)4 13.49% pa N/A
Consolidator Loan (L8)*** 18.24% pa 18.78% pa5

 

Car Loans7


Age of vehicle up to 7 years  
Loan Type Interest Rate Comparison Rate
Fixed Car Loan  7.44% pa 7.79% pa6

Important Information

Interest rates are on a per annum basis. These products are issued by Unity Bank Limited ABN 11 087 650 315 AFSL/Australian Credit Licence 240399. You should consider our Account & Access Facilities Conditions of Use before making a decision.
Credit eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate is subject to change.
* Available to members who have an existing home loan, are home owners or have a term deposit of $20,000 or more. Minimum loan amount $500. Minimum loan period 1 year. Maximum loan period up to 7 years.
** Minimum loan amount $500. Minimum loan period 1 year. Maximum loan period up to 7 years.
*** Minimum loan amount $1,000. Maximum loan period 7 years.
^ This rate is for secured loans only. Minimum loan amount is $30,000. Maximum loan is 80% of the property value. Interest is calculated daily charged monthly on the portion of the overdraft used.

1. 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.
2. 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.
3. Only available for First Home Buyers, Housing Australia and Shared Equity Home Buyer Helper. Minimum home loan balance $150,000. Not available for top-ups or internal product switches. Maximum loan period 30 years. Interest rate calculated daily charged monthly.
4. S10 Visa credit card effective date is the 11th December 2023. Minimum credit limit $1,000. Maximum credit limit $30,000 subject to ability to pay.
5. Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for unsecured loans only.
6. Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for secured loans only.
7. Interest is calculated daily and charged monthly. Minimum loan amount $10,000. Only available for new car loans, no internal product switches.
8. Credit Card Introductory Rate is fixed for purchases and balance transfers for the first 6 months. After the 6 months, the rate reverts to our variable Credit Card Standard Rate.
9. Advantage LVR rates are effective till 31/12/2023 and are subject to change. Rates available for new business only.

a. 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.
b. 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.
c. After fixed period interest rate reverts to Advantage standard variable rate.
d. After fixed period interest rate reverts to Advantage Plus standard variable rate.
e. After fixed period interest rate reverts to First Home Buyer Advantage Plus standard variable rate.

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.