Home loans

Interest rates for Owner occupier Home loans

Owner Occupied home loan interest rates

The interest rates shown are for new business only and for Principal and Interest repayments, except for the Interest Only Variable Home loan. Existing borrowers can find out their current interest rate by checking their statement, accessing their loan account in internet banking or by contacting us.

Please contact us in relation to interest rates for Interest Only repayments.

Fixed home loans—owner occupier

Lock in an interest rate and your repayments with a fixed rate home loan for owner occupiers—available for up to 5 years.

Fixed Rate Home Loan	Interest rates	Comparison rate
1 year fixed	2.66%pa	4.25%pa**
2 year fixed	2.66%pa	4.10%pa**
3 year fixed	2.66%pa	3.97%pa**
4 year fixed	2.96%pa	3.94%pa**
5 year fixed	2.96%pa	3.84%pa**

Interest rates effective 20 March 2020.

Variable home loans—owner occupier

Variable home loans that allow you to make additional repayments whenever you have spare cash.

	Interest rates	Comparison rate
My First Home Loan	4.41%pa	4.41%pa**
Classic Home Loan Special	2.80%pa	3.29%pa**
Classic Home Loan (standard variable)	3.29%pa	3.33%pa**
Interest Only Variable Home Loan	5.28%pa	4.92%pa**
Flexi Choice Home Loan	4.62%pa	4.66%pa**

Interest rates effective 1 November 2019.

Solutions Plus Home Loan

View Solutions Plus home loan rates

Interest rates effective 1 March 2020.

Interest Only Home Loans - Due to business and prudential requirements, we have placed restrictions on certain interest only home loans. Please contact us for further information.

ALL RATES QUOTED ARE FOR NEW BUSINESS ONLY. Applications are subject to lending criteria.
Rates quoted and all rates subject to change.
Solutions Plus Home Loan – LVR based tiers are only available for applications submitted from 16 December 2016 and for new owner occupier borrowings where a new to the Bank security property is applicable. Loan to Value Ratio (LVR) is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank.

How to apply

Convenient ways to apply for a home loan

Need help choosing your home loan? Explore our home loan options and have this information ready before starting the application process.

Apply online

Speak to a Mobile Lender

Call us

Visit a branch

**Comparison rate warning
Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

To become a member, you'll need:

To be an Australian citizen or permanent resident
18 years old or over
+
Identification
+
Account details to purchase your share in the bank

Join

^*Important information

Eligibility criteria apply to join the Bank as members. Fees and charges and lending criteria apply. Consumer lending terms and conditions available here.

Applicants must be eligible for the Rewards Package to take out the Solutions Plus Home Loan. The Rewards Package fee is paid at settlement and then annually on each anniversary from the Everyday Direct account.

Terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and conditions and Conditions of use Accounts and access. For more information refer to the FAQ section under Offset facility at unibank.com.au.

Redraw is subject to application and registration and is not available when a fixed rate applies to any part of the loan.

Repayment Pause is not available on all loan products and is subject to application and approval. Refer to Consumer Lending Terms and Conditions for full details.

Lenders Mortgage Insurance, or LMI, insures the lender in the event that the borrower defaults on the mortgage. It does not insure the borrower. Borrowers must still meet lending eligibility criteria for both the lender and the LMI provider.

The Responsible Investment Association Australasia (RIAA)

Retail mortgages and deposits have been certified by RIAA according to the strict operational and disclosure practices required under the Responsible Investment Certification Program. See www.responsibleinvestment.org for details. The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold an Australian Financial Services Licence.