🏘️
Unity Bank · Home loan · Variable
?Australian Government 5% Deposit Scheme
As of 18 September 2026, the Unity Bank Australian Government 5% Deposit Scheme's variable owner-occupier P&I variant has a comparison rate of 5.95% (5.90% advertised), ranking 4th of 107 variable owner-occupier P&I loans and sitting 0.81 points below the market average of 6.76%.
5.95%comparison rate p.a.
5.90% advertised · Variable · P&I · Owner-occupier
Rate over time
Comparison rate · Variable · P&I · Owner-occupier- Australian Government 5% Deposit Scheme · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier
- 5.95% comparison · 5.90% advertised
Fees
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Redraw fee
- None
Features
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- First home buyers only
- Yes
About this product
Our home loan for first home buyers with government assistance.