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Unity Bank · Home loan · Variable
?Essential Worker Home Loan - Owner Occupier
As of 18 September 2026, the Unity Bank Essential Worker Home Loan - Owner Occupier's variable owner-occupier P&I variant has a comparison rate of 5.85% (5.80% advertised), ranking 1st of 107 variable owner-occupier P&I loans and sitting 0.91 points below the market average of 6.76%.
5.85%comparison rate p.a.
5.80% advertised · Variable · P&I · Owner-occupier
Rate over time
Comparison rate · Variable · P&I · Owner-occupier- Essential Worker Home Loan - Owner Occupier · 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
- 5.85% comparison · 5.80% 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
About this product
A variable rate home loan specifically designed to support essential workers to own their own home.