Unity Bank home loans
6 home loans with 24 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- First Home Buyer Loan - Owner Occupied - SOOffset account · redraw · no ongoing fee6.20%
- Advantage Home Loan Variable Without OffsetRedraw · no ongoing fee6.39%
- Momentum Home Loan Variable SOOffset account · redraw · no ongoing fee6.39%
- Advantage Home Loan Variable With OffsetOffset account · redraw · no ongoing fee6.49%
- Momentum Home Loan VariableOffset account · redraw · no ongoing fee–
- Fixed Rate Home LoanRedraw · no ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
October 20268 changes
- 23Fri
- Momentum Home Loan 60LVR - Property Investor - Variable - P&Iapplication fee $200 → $0−$200
- Advantage Home Loan - Owner Occupied - Variable P&I - With Offsetapplication fee $200 → $0−$200
- Advantage Home Loan - Investment - Variable - Interest Only - With Offsetapplication fee $200 → $0−$200
- Advantage Home Loan- Investment - Variable - Interest Only - Without Offsetapplication fee $200 → $0−$200
- Momentum Home Loan 60LVR - Property Investor - Variable I/Oapplication fee $200 → $0−$200
- Advantage Home Loan - Owner Occupied - Variable P&I - Without Offsetapplication fee $200 → $0−$200
- Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SOapplication fee $200 → $0−$200
- Advantage Home Loan - Investment - Variable P&I - With Offsetapplication fee $200 → $0−$200
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on Unity Bank home loans
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As of 2 November 2026, Unity Bank has six home loan products in 38 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.20% (First Home Buyer Loan - Owner Occupied - SO), ranking 6th of 93 variable owner-occupier P&I loans and sitting 0.38 points below the market average of 6.58%. Its rates last moved on 16 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.