BankMate

Home loan · 1yr Fixed

Fixed Rate Home Loan

Rate
Loan for
Repayments
Deposit

6.59%comparison rate p.a. · 6.50% advertised

1yr Fixed · P&I · Owner-occupier · ≤95% LVR

24th of 49 1-year fixed owner-occupier P&I loans

Go to Unity Bank

The same choices at every rate type

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
$500
Ongoing fee
None
Discharge fee
$300
Compare all 311 home loans

1yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.59% comparison · 6.50% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
6.74% comparison · 6.65% advertised
1yr Fixed · P&I · Investor · ≤90% LVR
6.74% comparison · 6.65% advertised
1yr Fixed · Interest Only · Investor · ≤90% LVR
6.89% comparison · 6.80% advertised
2yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.59% comparison · 6.50% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
6.74% comparison · 6.65% advertised
2yr Fixed · P&I · Investor · ≤90% LVR
6.74% comparison · 6.65% advertised
2yr Fixed · Interest Only · Investor · ≤90% LVR
6.89% comparison · 6.80% advertised
3yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.59% comparison · 6.50% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
6.74% comparison · 6.65% advertised
3yr Fixed · P&I · Investor · ≤90% LVR
6.74% comparison · 6.65% advertised
3yr Fixed · Interest Only · Investor · ≤90% LVR
6.89% comparison · 6.80% advertised
4yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.74% comparison · 6.65% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
6.89% comparison · 6.80% advertised
4yr Fixed · P&I · Investor · ≤90% LVR
6.89% comparison · 6.80% advertised
4yr Fixed · Interest Only · Investor · ≤90% LVR
7.04% comparison · 6.95% advertised
5yr Fixed · P&I · Owner-occupier · ≤95% LVR
6.74% comparison · 6.65% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤95% LVR
6.89% comparison · 6.80% advertised
5yr Fixed · P&I · Investor · ≤90% LVR
6.89% comparison · 6.80% advertised
5yr Fixed · Interest Only · Investor · ≤90% LVR
7.04% comparison · 6.95% advertised

Application fee
$500
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

  • Fixed Rate Home Loan · 1yr Fixed · P&I · Owner-occupier
  • RBA cash rate
5.006.00AugSepToday6.59% p.a. today
  1. Fixed Rate Home Loan - Owner Occupier - I/O - 12 mths1-year fixed owner-occupier interest-only 6.64 → 6.747 days after the RBA rise to 4.60%
    +0.10
  2. Fixed Rate Home Loan - Property Investor - I/O - 48 mths4-year fixed investor interest-only 6.84 → 7.047 days after the RBA rise to 4.60%
    +0.20
  3. Fixed Rate Home Loan - Owner Occupier - I/O - 60 mths5-year fixed owner-occupier interest-only 6.84 → 6.897 days after the RBA rise to 4.60%
    +0.05
  4. Fixed Rate Home Loan - Owner Occupier - I/O - 48 mths4-year fixed owner-occupier interest-only 6.79 → 6.897 days after the RBA rise to 4.60%
    +0.10
  5. Fixed Rate Home Loan - Owner Occupier - P&I - 60 mths5-year fixed owner-occupier P&I 6.44 → 6.747 days after the RBA rise to 4.60%
    +0.30
  6. Fixed Rate Home Loan - Property Investor - I/O - 12 mths1-year fixed investor interest-only 6.84 → 6.897 days after the RBA rise to 4.60%
    +0.05
  1. Fixed Rate Home Loan - Owner Occupier - I/O - 36 mths3-year fixed owner-occupier interest-only 6.54 → 6.747 days after the RBA rise to 4.60%
    +0.20
  2. Fixed Rate Home Loan - Property Investor - I/O - 36 mths3-year fixed investor interest-only 6.74 → 6.897 days after the RBA rise to 4.60%
    +0.15
  3. Fixed Rate Home Loan - Property Investor - P&I - 48 mths4-year fixed investor P&I 6.69 → 6.897 days after the RBA rise to 4.60%
    +0.20
  4. Fixed Rate Home Loan - Owner Occupier - I/O - 24 mths2-year fixed owner-occupier interest-only 6.64 → 6.747 days after the RBA rise to 4.60%
    +0.10
  5. Fixed Rate Home Loan - Property Investor - P&I - 24 mths2-year fixed investor P&I 6.64 → 6.747 days after the RBA rise to 4.60%
    +0.10
  6. Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths1-year fixed owner-occupier P&I 6.29 → 6.597 days after the RBA rise to 4.60%
    +0.30
  7. Fixed Rate Home Loan - Property Investor - P&I - 60 mths5-year fixed investor P&I 6.69 → 6.897 days after the RBA rise to 4.60%
    +0.20
  8. Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths3-year fixed owner-occupier P&I 6.23 → 6.597 days after the RBA rise to 4.60%
    +0.36
  9. Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths4-year fixed owner-occupier P&I 6.44 → 6.747 days after the RBA rise to 4.60%
    +0.30
  10. Fixed Rate Home Loan - Property Investor - P&I - 12 mths1-year fixed investor P&I 6.64 → 6.747 days after the RBA rise to 4.60%
    +0.10
  11. Fixed Rate Home Loan - Property Investor - P&I - 36 mths3-year fixed investor P&I 6.59 → 6.747 days after the RBA rise to 4.60%
    +0.15
  12. Fixed Rate Home Loan - Property Investor - I/O - 24 mths2-year fixed investor interest-only 6.84 → 6.897 days after the RBA rise to 4.60%
    +0.05
  13. Fixed Rate Home Loan - Property Investor - I/O - 60 mths5-year fixed investor interest-only 6.84 → 7.047 days after the RBA rise to 4.60%
    +0.20
  14. Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths2-year fixed owner-occupier P&I 6.29 → 6.597 days after the RBA rise to 4.60%
    +0.30

Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.

The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period.

Also from Unity Bank: First Home Buyer Loan - Owner Occupied - SO 6.20% · Advantage Home Loan Variable Without Offset 6.39% · Momentum Home Loan Variable SO 6.39% · Advantage Home Loan Variable With Offset 6.49% · Momentum Home Loan Variable 6.65%

As of 15 October 2026, the Unity Bank Fixed Rate Home Loan's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.59% (6.50% advertised), ranking 24th of 49 1-year fixed owner-occupier P&I loans. The product comes in 20 variants; the others are investor, interest-only and other fixed terms. 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.