Home loan · Variable
Momentum Home Loan Variable SO
6.39%comparison rate p.a. · 6.34% advertised
Variable · P&I · Owner-occupier · 60.01–80% LVR
33rd of 91 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
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.29% comparison · 6.24% advertised
- Variable · P&I · Owner-occupier · 60.01–80% LVR
- 6.39% comparison · 6.34% advertised
- Variable · P&I · Owner-occupier · 80–95% LVR
- 6.49% comparison · 6.44% advertised
- Application fee
- $200
- Ongoing fee
- None
- Discharge fee
- $300
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $100,000
- Maximum loan
- $5,000,000
- Momentum Home Loan Variable SO · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SOvariable owner-occupier P&I 6.14 → 6.397 days after the RBA rise to 4.60%+0.25
- Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SOvariable owner-occupier P&I 6.04 → 6.297 days after the RBA rise to 4.60%+0.25
Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.
If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed. Make your move and refinance with our Momentum Home Loan.
Also from Unity Bank: First Home Buyer Loan - Owner Occupied - SO 6.20% · Advantage Home Loan Variable Without Offset 6.39% · Advantage Home Loan Variable With Offset 6.49% · Fixed Rate Home Loan 6.59% · Momentum Home Loan Variable 6.65%
As of 15 October 2026, the Unity Bank Momentum Home Loan Variable SO's variable owner-occupier P&I variant has a comparison rate of 6.39% (6.34% advertised), ranking 33rd of 91 variable owner-occupier P&I loans and sitting 0.15 points below the market average of 6.54%. The product comes in 3 variants; the others are other LVR bands. 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.