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Unity Bank home loans

Unity Bank has home loan rates starting from 6.24%.

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Richard Whitten

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Unity Bank is a member-owned Bank. Unity Bank offers a range of home loans for Australian borrowers. Check out the full table of Unity Bank products below or read more about the lender.

Compare Unity Bank home loans for April 2024

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1 - 5 of 7
Updated regularly
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Unity Bank Advantage Plus Fixed Rate Home Loan
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
Interest Rate
6.64%
Comparison Rate
7.90%
Fees
Application: $0
Ongoing: $299 p.a.
Monthly Payment
$963
More Info
Unity Bank Advantage Home Loan
Principal & Interest5% min. depositOwner-occupier
Interest Rate
8.59%
Comparison Rate
8.67%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$1,164
More Info
Unity Bank Advantage Home Loan
Interest only5% min. depositOwner-occupier
Interest Rate
8.59%
Comparison Rate
8.71%
Fees
Application: $500
Ongoing: $0 p.a.
Monthly Payment
$1,164
More Info
Unity Bank Advantage Fixed Rate Home Loan
Principal & Interest 1Y Fixed5% min. depositOwner-occupier
Interest Rate
6.89%
Comparison Rate
8.50%
Fees
Application: $300
Ongoing: $0 p.a.
Monthly Payment
$988
More Info
Unity Bank Advantage Home Loan
Interest only20% min. depositOwner-occupier
Interest Rate
6.44%
Comparison Rate
7.71%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$944
More Info
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Unity Bank key facts

  • Unity Bank is a member-owned Bank based in NSW, WA, VIC and QLD.
  • Unity Bank offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as savings accounts, insurance, credit cards and personal loans.

Unity Bank home loan features

Here are the key features and details you need to know about Unity Bank's mortgage products.

FeatureDetails
Minimum depositIt is possible to get a home loan from Unity Bank with a deposit as low as 5%.
Offset account?You can get an offset account with several Unity Bank loans.
Repayment optionsSeveral Unity Bank home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Unity Bank?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Unity Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

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