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Unity Bank · Home loan · Variable
?First Home Buyer Loan - Owner Occupied - SO
As of 18 September 2026, the Unity Bank First Home Buyer Loan - Owner Occupied - SO'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- First Home Buyer Loan - Owner Occupied - SO · 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 fully featured home loan for first home buyers.