Lender profile · Home loans
?Unity Bank home loans
Unity Bank also offers savings accounts, term deposits and personal loans · Provider overview →
As of 18 September 2026, Unity Bank has 25 home loan products in 28 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 5.85% (Essential Worker Home Loan - Owner Occupier), ranking 1st of 107 variable owner-occupier P&I loans and sitting 0.91 points below the market average of 6.76%.
- Lowest comparison rate
- 5.85%
- Essential Worker Home Loan - Owner Occupier
- Market rank
- #1
- of 107 variable owner-occupier P&I loans
- Products
- 25
- 28 variants
- Last change
- —
- None recorded yet
Rates over time
Comparison rate of each product's headline variant- RBA cash rate
- Market average
- Essential Worker Home Loan - Owner Occupier
- QLD BOOST TO BUY
- Vic Homebuyer Fund
- First Home Buyer Loan - Owner Occupied - SO
- Australian Government 5% Deposit Scheme
- Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO
- Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset
- Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO
- Advantage Home Loan - Owner Occupied - Variable P&I - With Offset
- Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO
- Advantage Home Loan - Investment - Variable P&I - Without Offset
- Momentum Home Loan 60LVR - Property Investor - Variable I/O
- Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset
- Momentum Home Loan 60LVR - Property Investor - Variable - P&I
- Advantage Home Loan - Investment - Variable P&I - With Offset
- Momentum Home Loan 60-80LVR - Property Investor - Variable - Interest Only
- Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset
- Advantage Home Loan- Investment - Variable - Interest Only - Without Offset
- Momentum Home Loan 60-80LVR - Property Investor - Variable - P&I
- Momentum Home Loan 80LVR - Property Investor - Variable - I/O
- Advantage Home Loan - Investment - Variable - Interest Only - With Offset
- Momentum Home Loan 80LVR - Property Investor - Variable - P&I
- Bridging Loan - Owner Occupied
- Bridging Loan - Investor
- Retirees Access Home Loan
What changed
No changes recorded for Unity Bank's home loans since tracking began on 12 September 2026.
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
5.85%#1 of 107comparison · 5.80% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
5.93%#2 of 107comparison · 5.90% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
5.93%#2 of 107comparison · 5.90% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
5.95%#4 of 107comparison · 5.90% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
5.95%#4 of 107comparison · 5.90% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤60% LVR · offset account · redraw · no ongoing fee
6.04%#9 of 107comparison · 5.99% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · redraw · no ongoing fee
6.14%#12 of 107comparison · 6.09% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60.01–80% LVR · offset account · redraw · no ongoing fee
6.14%#12 of 107comparison · 6.09% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · offset account · redraw · no ongoing fee
6.24%#27 of 107comparison · 6.19% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · ≤80% LVR · offset account · redraw · no ongoing fee
6.24%#27 of 107comparison · 6.19% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · redraw · no ongoing fee
6.34%#8 of 81comparison · 6.29% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · no ongoing fee · 2 variants
6.35%#11 of 81advertised · no comparison rate published
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · redraw · no ongoing fee
6.38%#6 of 68comparison · 6.34% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤60% LVR · offset account · redraw · no ongoing fee
6.40%#14 of 81comparison · 6.35% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · offset account · redraw · no ongoing fee
6.44%#21 of 81comparison · 6.39% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · 60.01–80% LVR · offset account · redraw · no ongoing fee · 2 variants
6.45%#22 of 81advertised · no comparison rate published
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · offset account · redraw · no ongoing fee
6.48%#14 of 68comparison · 6.44% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · redraw · no ongoing fee
6.49%#13 of 80comparison · 6.44% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · 60.01–80% LVR · offset account · redraw · no ongoing fee
6.50%#28 of 81comparison · 6.45% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤80% LVR · offset account · redraw · no ongoing fee · 2 variants
6.55%#29 of 81advertised · no comparison rate published
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · offset account · redraw · no ongoing fee
6.59%#19 of 80comparison · 6.54% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Investor · ≤80% LVR · offset account · redraw · no ongoing fee
6.60%#37 of 81comparison · 6.55% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · redraw · no ongoing fee
8.44%#50 of 68comparison · 8.35% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · redraw · no ongoing fee
8.97%#66 of 80comparison · 8.85% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · redraw · no ongoing fee
9.33%#70 of 80comparison · 9.25% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Notes on Unity Bank home loans
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