Following the RBA's announcement of a 0.25% reduction in the cash rate, we have reduced the interest rates applicable to our variable rate residential home and investment home loans by 0.25% effective 1st March. 

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Home Loan Rates

See the rate tables below or click the print icon to save or print as a PDF.

Unity Bank Home Loan Rates as at 1 March 2025  printer icon

Owner Occupied Home Loans

Advantage

  Principal & Interest Interest Only
  Interest rate Comparison rate Interest rate Comparison rate
Variable rate (LVR of 60% and below) 5.99% p.a. 6.06% p.a. 5.99% p.a. 7.38% p.a.
Variable rate (LVR from 60% to 80%) 6.19% p.a. 6.26% p.a. 6.19% p.a. 7.46% p.a.
Variable rate (LVR from 80% to 90%) 6.79% p.a. 6.86% p.a. 6.79% p.a. 7.72% p.a.
Variable rate (LVR Above 90%) 7.19% p.a. 7.26% p.a. 7.19% p.a. 7.89% p.a.
Variable Standard 8.34% p.a. 8.42% p.a. N/A N/A
Variable Bridging Loan N/A N/A 8.34% p.a. 8.46% p.a.
Fixed 1 Year 6.39% p.a. 8.22% p.a. 6.39% p.a. 8.22% p.a.
Fixed 2 Year 6.59% p.a. 8.07% p.a. 6.59% p.a. 8.07% p.a.
Fixed 3 Year 5.79% p.a. 7.67% p.a. 5.79% p.a. 7.69% p.a.
Fixed 5 Year 6.69% p.a. 7.68% p.a. 6.69% p.a. 7.70% p.a.

Advantage Plus

  Principal & Interest Interest Only
  Interest rate Comparison rate Interest rate Comparison rate
Variable rate (LVR of 60% and below) 6.24% p.a. 6.56% p.a. 6.24% p.a. 7.29% p.a.
Variable rate (LVR from 60% to 80%) 6.39% p.a. 6.71% p.a. 6.39% p.a. 7.35% p.a.
Variable rate (LVR from 80% to 90%) 6.99% p.a. 7.30% p.a. 6.99% p.a. 7.61% p.a.
Variable rate (LVR Above 90%) 7.39% p.a. 7.70% p.a. 7.39% p.a. 7.79% p.a.
Variable Standard 7.59% p.a. 7.90% p.a. N/A N/A
Fixed 1 Year 6.24% p.a. 7.75% p.a. 6.24% p.a. 7.75% p.a.
Fixed 2 Year 6.44% p.a. 7.66% p.a. 6.44% p.a. 7.65% p.a.
Fixed 3 Year 5.79% p.a. 7.37% p.a. 5.79% p.a. 7.37% p.a.
Fixed 5 Year 6.54% p.a. 7.43% p.a. 6.54% p.a. 7.42% p.a.

 

First Home Buyer Advantage Plus and Government Scheme Lending

  Principal & Interest Interest Only
  Interest rate Comparison rate Interest rate Comparison rate
Variable rate (LVR of 60% and below) 5.74% p.a. 5.74% p.a. 5.74% p.a. 6.52% p.a.
Variable rate (LVR from 60% to 80%) 5.74% p.a. 5.74% p.a. 5.74% p.a. 6.52% p.a.
Variable rate (LVR from 80% to 90%) 5.74% p.a. 5.74% p.a. 5.74% p.a. 6.52% p.a.
Variable rate (LVR Above 90%) 5.74% p.a. 5.74% p.a. 5.74% p.a. 6.52% p.a.
Variable Standard 7.09% p.a. 7.09% p.a. N/A N/A
Fixed 1 Year 5.99% p.a. 6.97% p.a. 5.99% p.a. 6.97% p.a.
Fixed 2 Year 6.19% p.a. 6.91% p.a. 6.19% p.a. 6.91% p.a.
Fixed 3 Year 5.54% p.a. 6.64% p.a. 5.54% p.a. 6.65% p.a.
Fixed 5 Year 6.29% p.a. 6.74% p.a. 6.29% p.a. 6.75% p.a.

Overdraft

  Principal & Interest
  Interest Rate Comparison Rate
Flexi Home Equity (S33) 8.25% p.a. N/A

Investment Home Loans

Advantage Investment

  Principal & Interest Interest Only
  Interest Rate Comparison Rate Interest Rate Comparison Rate
Variable rate (LVR of 60% and below) 6.19% p.a. 6.26% p.a. 6.49% p.a. 7.81% p.a.
Variable rate (LVR from 60% to 80%) 6.34% p.a. 6.41% p.a. 6.64% p.a. 7.87% p.a.  
Variable rate (LVR from 80% to 90%) 7.09% p.a. 7.16% p.a. 7.39% p.a. 8.38% p.a.
Variable rate (LVR Above 90%) 7.49% p.a. 7.56% p.a. 7.79% p.a. 8.38% p.a.
Variable Standard 8.74% p.a. 8.82% p.a. N/A N/A
Fixed 1 Year 6.39% p.a. 8.57% p.a. 6.69% p.a. 8.61% p.a.
Fixed 2 Years 6.39% p.a. 8.33% p.a. 6.69% p.a. 8.40% p.a.
Fixed 3 Years 6.24% p.a. 8.08% p.a. 6.54% p.a. 8.18% p.a.
Fixed 5 Years 6.64% p.a. 7.87% p.a. 6.94% p.a. 8.02% p.a.

Advantage Plus Investment​

  Principal & Interest Interest Only
  Interest Rate Comparison Rate Interest Rate Comparison Rate
Variable rate (LVR of 60% and below) 6.39% p.a. 6.71% p.a. 6.69% p.a. 7.57% p.a.
Variable rate (LVR from 60% to 80%) 6.54% p.a. 6.86% p.a. 6.84% p.a. 7.63% p.a.
Variable rate (LVR from 80% to 90%) 7.29% p.a. 7.60% p.a. 7.59% p.a. 7.96% p.a.
Variable rate (LVR Above 90%) 7.69% p.a. 8.00% p.a. 7.99% p.a. 8.14% p.a.
Variable Standard 7.74% p.a. 8.05% p.a. N/A N/A
Fixed 1 Year 6.24% p.a. 7.88% p.a. 6.54% p.a. 7.91% p.a.
Fixed 2 Years 6.24% p.a. 7.74% p.a. 6.54% p.a. 7.79% p.a.
Fixed 3 Years 6.09% p.a. 7.56% p.a. 6.39% p.a. 7.64% p.a.
Fixed 5 Years 6.49% p.a. 7.48% p.a. 6.79% p.a. 7.61% p.a.
  • 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.
  • 4 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.
  • 5 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.
  • 6 Only available for First Home Buyers, Housing Australia and the Victorian Homebuyer Fund. Minimum home loan balance $150,000. Not available for internal product switches. 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.
  • 7 Only available for First Home Buyers, Housing Australia and the Victorian Homebuyer Fund. Minimum home loan balance $150,000. Not available for internal product switches. Maximum loan period 30 years. Interest rate calculated daily charged monthly. After fixed period interest rate reverts to First Home Buyer Advantage Plus and Government Scheme Lending standard variable rate.
  • 8 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.

Credit eligibility criteria, terms and conditions, fees and charges apply. For new products only. All information including interest rate is subject to change. 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. Reliance Bank is a division of Unity Bank Limited. You should consider our Account & Access Facilities Conditions of Use before making a decision. To obtain a copy, phone 1300 36 2000 or visit unitybank.com.au

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We acknowledge the Traditional Owners of the lands on which we operate and pay our respects to Elders past and present, and to emerging community leaders. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which Unity Bank operates and where our team members reside.