Home loan · Variable
First Home Buyer Loan - Owner Occupied - SO
6.20%comparison rate p.a. · 6.15% advertised
Variable · P&I · Owner-occupier · ≤95% LVR
6th of 93 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
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Variable · P&I · Owner-occupier · ≤95% LVR
- 6.20% comparison · 6.15% advertised
- Application fee
- None
- 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
- First home buyers only
- Yes
- First Home Buyer Loan - Owner Occupied - SO · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20261 change
- 7Wed
- Variable owner-occupier P&I 5.95 → 6.207 days after the RBA rise to 4.60%+0.25
Our fully featured home loan for first home buyers.
Also from Unity Bank: Advantage Home Loan Variable Without Offset 6.39% · Momentum Home Loan Variable SO 6.39% · Fixed Rate Home Loan 6.44% · Advantage Home Loan Variable With Offset 6.49% · Momentum Home Loan Variable 6.65%
As of 2 November 2026, the Unity Bank First Home Buyer Loan - Owner Occupied - SO's variable owner-occupier P&I variant has a comparison rate of 6.20% (6.15% advertised), ranking 6th of 93 variable owner-occupier P&I loans and sitting 0.38 points below the market average of 6.58%. 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.