Home loan · Variable
Advantage Home Loan Variable With Offset
6.49%comparison rate p.a. · 6.44% advertised
Variable · P&I · Owner-occupier · ≤95% LVR
44th of 91 variable owner-occupier P&I loans
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.
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Variable · P&I · Owner-occupier · ≤95% LVR
- 6.49% comparison · 6.44% advertised
- Variable · Interest Only · Owner-occupier · ≤95% LVR
- 6.64% comparison · 6.59% advertised
- Variable · P&I · Investor · ≤90% LVR
- 6.69% comparison · 6.64% advertised
- Variable · Interest Only · Investor · ≤90% LVR
- 6.84% comparison · 6.79% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Maximum loan
- $5,000,000
- Advantage Home Loan Variable With Offset · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- Advantage Home Loan - Owner Occupied - Variable P&I - With Offsetvariable owner-occupier P&I 6.24 → 6.497 days after the RBA rise to 4.60%+0.25
- Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offsetvariable owner-occupier interest-only 6.48 → 6.647 days after the RBA rise to 4.60%+0.16
- Advantage Home Loan - Investment - Variable - Interest Only - With Offsetvariable investor interest-only 6.59 → 6.847 days after the RBA rise to 4.60%+0.25
- Advantage Home Loan - Investment - Variable P&I - With Offsetvariable investor P&I 6.44 → 6.697 days after the RBA rise to 4.60%+0.25
Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.
A home loan with an offset and the choice of simple and straightforward features with a competitive interest rate.
Also from Unity Bank: First Home Buyer Loan - Owner Occupied - SO 6.20% · Advantage Home Loan Variable Without Offset 6.39% · Momentum Home Loan Variable SO 6.39% · Fixed Rate Home Loan 6.59% · Momentum Home Loan Variable 6.65%
As of 15 October 2026, the Unity Bank Advantage Home Loan Variable With Offset's variable owner-occupier P&I variant has a comparison rate of 6.49% (6.44% advertised), ranking 44th of 91 variable owner-occupier P&I loans and sitting 0.05 points below the market average of 6.54%. The product comes in 4 variants; the others are investor and interest-only. Its rate last moved on 7 October 2026, 7 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.