Home Loans

Whether you’re buying your first home, investing or renovating, we have a wide range of home loans to suit your needs.

Home loans

Interest rates for Owner occupier Home loans

Compare interest rates on our owner occupier home loans

With so many Australian home loans available, it can be hard to find the home loan that’s right for you. That’s why at UniBank, we’re all about choice. Whether you’re looking for a fixed rate home loan or variable rate home loan, or a combination of both, we have a lending solution to fit your needs.

View all our owner occupier home loans or compare our interest rates below to get started.

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

Looking for a home loan that gives you peace of mind? Compare interest rates on our fixed rate home loans. Choose a term between 1 and 5 years and know exactly what you’ll pay during the fixed period—no surprises. Additionally, take advantage of our 100% Offset facility which can help you to pay off your home loan sooner.

Fixed Rate Home Loan Interest rates Comparison rate
1 year fixed 2.98%pa 4.62%pa**
2 year fixed 2.98%pa 4.47%pa**
3 year fixed 3.48%pa 4.45%pa**
4 year fixed 3.99%pa 4.53%pa**
5 year fixed 3.99%pa 4.48%pa**

Interest rates effective 29 August 2019.


Variable home loans- owner occupier

Get flexibility when you need it with a variable rate home loan. Enjoy the freedom to make additional repayments, redraw and pay off your home loan sooner. Compare interest rates on our variable home loans below to get started.

Interest rates Comparison rate
My First Home Loan 4.66%pa 4.66%pa**
Classic Home Loan 3.42%pa 3.46%pa**
Interest Only Variable Home Loan 5.41%pa 5.06%pa**
Flexi Choice Home Loan 4.75%pa 4.79%pa**

Interest rates effective 1 August 2019


Solutions Plus Home Loan

Get a discounted rate with a Solutions Plus Home Loan. Suitable for owner occupiers, this Rewards Package home loan gives you access to benefits and discounts that reward you when it counts. Find out if you’re eligible and view our Solutions Plus Home Loan interest rates to learn more.

View Solutions Plus home loan rates

Interest rates effective 1 August 2019.


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 LOANS ONLY. Applications are subject to lending criteria.

Rates quoted and all rates subject to change.
# Solutions Plus Home Loan rates based on LVR are only available for applications submitted from Friday 16th 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.


**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.

Lady wearing headset in a call centre

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:

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