Australian Unity Kickstarter Home Loan Review

Take advantage of a low rate, minimal fees and flexible features with the Australian Unity Kickstarter Home Loan.

If you’re looking for a competitive home loan with useful features, the Australian Unity Kickstarter Home Loan is worth considering. Offering a low variable rate and the ability to make unlimited additional repayments, the loan makes it simple to pay off your loan quickly.

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Review by


Richard Whitten is a senior writer at Finder, and has been covering home loans and the property market in Australia for the last 4 years. He has written for Yahoo Finance, Money Magazine and Homely, as well as multiple banks and lenders. Richard has a Certificate IV in Finance and Mortgage Broking, a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communication. He enjoys helping people understand the ins and outs of mortgages so they can make smarter property decisions. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea.

Expert review

The Australian Unity Kickstarter Home Loan requires principal and interest repayments and it enables you to make unlimited additional repayments whenever your budget allows. A free redraw facility is also included alongside a linked transaction account and insurance discounts.

About this loan

What are the features and benefits of the Australian Unity Kickstarter Home Loan?

  • Loan amount. The Australian Unity Kickstarter Home Loan is available for amounts between $200,000 and $1,000,000.
  • Maximum LVR. The maximum amount you can borrow with the loan is 80% of the value of the property you wish to purchase.
  • Repayments. This loan is available with principal and interest repayments; there is no interest-only option.
  • Additional repayment flexibility. If there's room in your budget to make additional loan repayments ahead of schedule, you can do so whenever you wish and you will not be charged any fees. This allows you to pay off your debt as quickly as possible.
  • Free redraws. You can access additional funds you need through the loan's free redraw facility. The minimum redraw amount is $500.
  • Linked transaction account. The Australian Unity Kickstarter Home Loan also includes a linked transaction account with no transaction fees, plus a free Visa debit card for added convenience.

What fees and charges come with this loan?

There are $0 ongoing account keeping fees for this loan as well as $0 fees when you redraw extra repayments. You also get a transaction account attached at no extra cost but below are some of the fees you may pay:

  • Discharge fee: $375. This is payable when you close your home loan accounts and your property is released from Australian Unity, there may also be government fees due for this process as well.

How to apply

If the Australian Unity Kickstarter Home Loan sounds right for you, click the 'Go to site' link on this page. You will be securely redirected to the Australian Unity website where you can find out more information about this mortgage product and begin the application process.

You can fill out an online enquiry form if you'd like to be contacted by Australian Unity to discuss your borrowing needs. You will need to provide:

  • Your name
  • Your email address and phone number
  • Your preferred contact time
  • Any questions you have about the loan

Additionally, you'll need to supply a wide range of information during the loan application process, including:

  • Proof of income and details regarding your employment
  • Information about any assets you own, for example shares or real estate
  • Information about any liabilities you have, for example credit card debt
  • Details of the property you want to purchase

If you're in the market for a basic home loan with a competitive rate and a selection of useful features, consider the Australian Unity Kickstarter Home Loan. By comparing this loan with a range of mortgages from other Australian lenders, you'll be able to find the right loan for your borrowing needs.

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