Australian Unity Home Loans

Rates and fees last updated on

Compare home loans from an organisation with years of experience.

Australian Unity is an organisation with a history that dates back over 170 years. It provides financial, healthcare and retirement living services to around 600,000 customers and more than 320,000 members across Australia.

Australian Unity boasts more than 1,800 employees across New South Wales, Queensland, Victoria and South Australia.

Australian Unity Home Loan Offer

Australian Unity Kick Starter Home Loan

3.72 % p.a.

variable rate

3.75 % p.a.

comparison rate

Australian Unity Home Loan Offer

With the Australian Unity Kick Starter Home Loan with no ongoing fees and get 10% off Australian Unity Health Insurance.

  • Interest rate of 3.72% p.a.
  • Comparison rate of 3.75% p.a.
  • Application fee of $600
  • Maximum LVR: 80%
  • Minimum borrowing: $200,000
  • Max borrowing: $1,000,000
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Compare Australian Unity Home Loans

Rates last updated September 22nd, 2017
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Loan purpose
Offset account
Loan type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.72%
3.75%
$600
$0 p.a.
80%
A maximum 80% LVR home loan with no ongoing service fees and a linked transaction account.
3.99%
4.02%
$600
$0 p.a.
90%
Take advantage of a 0.60% discount on your rate, a 100% offset account and no ongoing fees.
4.29%
4.32%
$600
$0 p.a.
90%
Borrow up to 90% LVR and pay no ongoing fees with this investment loan.
3.99%
4.02%
$600
$0 p.a.
90%
A competitive rate fixed for 1 year with Australian Unity.
3.84%
3.99%
$600
$0 p.a.
90%
A low special rate fixed for three years if you're an owner occupier.
4.40%
4.19%
$600
$0 p.a.
90%
Make extra repayments and enjoy a redraw facility with this 5 year fixed rate.
4.85%
4.56%
$600
$0 p.a.
90%
An investment loan with no ongoing fees and borrow up to 90% LVR.
4.44%
4.34%
$600
$0 p.a.
90%
An investment loan with no ongoing fees and borrow up to 90% LVR.

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What does Australian Unity do?

Australian Unity offers homes loans for property purchasers or refinancers, whether they're owner occupiers or investors. In addition, you can also apply for an Australian Unity home loan if you wish to consolidate your debts. Depending on how much you want to borrow, they have different options from which to choose, and in all instances you get more than enough repayment flexibility.

When you apply for an Australian Unity home loan you can look forward to competitive interest rates, and if you’re borrowing more than $500,000 you can expect an even better rate. Another benefit is that on some of their loans you won’t be charged application fees, valuation fees, and monthly account-keeping fees. Account access for all these loans comes through online banking, phone banking, ATM, EFTPOS and BPAY.

Home loans provided by Australian Unity

Standard Variable Home Loan

This variable rate home loan offered by Australian Unity does not attract any annual fee, but you have to pay a loan establishment fee of $600. You can use funds from this loan to buy a home you wish to occupy or for investment purposes, as well as for loan refinancing or debt consolidation.

This loan gives you the option to make unlimited extra repayments without charging any penalty. It also enables you to redraw money you’ve paid in the form of extra repayments through an unlimited redraw facility. Make repayments weekly, fortnightly, or monthly, as per your convenience. The available loan term is up to 30 years.

Health, Wealth and Happiness Home Loan

With this home loan you have the option of either a variable or fixed rate home loan with great discounts off the interest rates. Include either the Australian Unity Cash Rewards or Classic Low Rate Credit Card and a transaction account and pay no annual fees.

This home loan also includes a 10% discount off Australian Unity Health Insurance and a $100 credit if you purchase home and contents insurance with Allianz though Australian Unity.

Features of Australian Unity home loans

  • Unlimited extra repayments. You can make extra repayments at any time during the course of the loan without worrying about paying a penalty. This enables you to pay your loan off sooner .
  • Unlimited redraws. Australian Unity loans give you the ability to redraw any extra repayments you've made. This service does not attract any fee, it does not come with any limitations, and you can access funds 24-hours after lodgement. Access to this money comes through a direct debit card, ATMs, EFTPOS merchants, online banking as well as phone banking.
  • Home Loan options. With their Health, Wealth and Happiness Home Loan you get discounts off the already competitive interest rates. You can also package in a fee free transaction account, no annual fee credit card as well as 10% discount off Australian Unity Health Insurance and $100 Allianz home and contents insurance credit.

How to apply for an Australian Unity home loan

To initiate an application for an Australian Unity home loan you need to have the following documents and information ready:

Documents needed to apply for an Australian Unity home loan

Personal information

To apply for any of these loans you have to provide documents that prove your identity, and you might have to submit copies of the following:

  • Your Australian driver’s license
  • Your Australian passport
  • Your Medicare card

Property information

You also have to submit information about the home you wish to purchase, which can include copies of the following:

  • Transfer of land certificate
  • Certificate of title
  • Contract of sale

Financial information

Australian Unity goes through your financial information to establish your ability to borrow and make timely repayments. As a result, keep the following handy during the application process.

  • A list of all your assets and liabilities
  • Details of your annual income from all sources
  • Details of your monthly expenditure
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This page was last modified on 19 September 2017 at 10:46am.

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2 Responses

  1. Default Gravatar
    LaraSeptember 4, 2014

    Hi there,
    I currently have 3 home loans with WBC.

    Can I change from Westpac to unity and how much are transfer costs? Thanks

    Lara

    • Staff
      ShirleySeptember 5, 2014Staff

      Hi Lara,

      Thanks for your question.

      Australian Unity home loans are available for refinance. Transfer costs will actually depend on the specific loan that you choose.

      If you’d like, you can use the switching costs calculator on this page to help give an indication.

      For information about eligibility, I’d recommend that you get in touch with Australia Unity directly.

      Cheers,
      Shirley

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