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Home loan · Variable

Advantage Home Loan Variable Without Offset

Loan for
Repayments
Deposit

6.39%comparison rate p.a. · 6.34% advertised

Variable · P&I · Owner-occupier · ≤95% LVR

33rd of 91 variable owner-occupier P&I loans

Go to Unity Bank

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
No
Redraw
Yes
Extra repayments
Yes
Application fee
$200
Ongoing fee
None
Discharge fee
$300
Compare all 311 home loans

Variable · P&I · Owner-occupier · ≤95% LVR
6.39% comparison · 6.34% advertised
Variable · Interest Only · Owner-occupier · ≤95% LVR
6.54% comparison · 6.49% advertised
Variable · P&I · Investor · ≤90% LVR
6.59% comparison · 6.34% advertised
Variable · Interest Only · Investor · ≤90% LVR
6.74% comparison · 6.69% advertised

Application fee
$200
Ongoing fee
None
Discharge fee
$300
Redraw fee
None

Offset account
No
Redraw
Yes
Extra repayments
Yes
Portable
No
Repayment holiday
No

Maximum loan
$5,000,000

  • Advantage Home Loan Variable Without Offset · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00AugSepToday6.39% p.a. today
  1. Advantage Home Loan - Investment - Variable P&I - Without Offsetvariable investor P&I 6.34 → 6.597 days after the RBA rise to 4.60%
    +0.25
  2. Advantage Home Loan- Investment - Variable - Interest Only - Without Offsetvariable investor interest-only 6.49 → 6.747 days after the RBA rise to 4.60%
    +0.25
  3. Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offsetvariable owner-occupier interest-only 6.38 → 6.547 days after the RBA rise to 4.60%
    +0.16
  4. Advantage Home Loan - Owner Occupied - Variable P&I - Without Offsetvariable owner-occupier P&I 6.14 → 6.397 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 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% · Momentum Home Loan Variable SO 6.39% · Advantage Home Loan Variable With Offset 6.49% · Fixed Rate Home Loan 6.59% · Momentum Home Loan Variable 6.65%

As of 15 October 2026, the Unity Bank Advantage Home Loan Variable Without Offset's variable owner-occupier P&I variant has a comparison rate of 6.39% (6.34% advertised), ranking 33rd of 91 variable owner-occupier P&I loans and sitting 0.15 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.