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Unity Bank home loan rates

44 home loan products and 44 published rates, checked 2 Nov, 12:05 am AEDT. Unity Bank last updated its data 15 Oct 2026.

Lowest Unity Bank rates

Loan typeRateComparison*
Variable, owner-occupier, P&I
Vic Homebuyer Fund (any LVR)
6.15%6.18%
Variable, owner-occupier, interest only
Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset (any LVR)
6.49%6.54%
Variable, investor, P&I
Advantage Home Loan - Investment - Variable P&I - Without Offset (any LVR)
6.34%6.59%
Variable, investor, interest only
Momentum Home Loan 60LVR - Property Investor - Variable I/O (any LVR)
6.60%6.65%
1 year fixed, owner-occupier, P&I
Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths (any LVR)
6.50%6.59%
2 year fixed, owner-occupier, P&I
Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths (any LVR)
6.35%6.44%
3 year fixed, owner-occupier, P&I
Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths (any LVR)
6.50%6.59%
4 year fixed, owner-occupier, P&I
Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths (any LVR)
6.65%6.74%
5 year fixed, owner-occupier, P&I
Fixed Rate Home Loan - Owner Occupier - P&I - 60 mths (any LVR)
6.65%6.74%

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Rate changes

No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.

All Unity Bank home loans

Advantage Home Loan - Investment - Variable - Interest Only - With Offset · 1 rate · from 6.79%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.79%6.84%

Advantage Home Loan - Investment - Variable - Interest Only - With Offset on Unity Bank’s site ↗

Advantage Home Loan - Investment - Variable P&I - With Offset · 1 rate · from 6.64%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR6.64%6.69%

Advantage Home Loan - Investment - Variable P&I - With Offset on Unity Bank’s site ↗

Advantage Home Loan - Investment - Variable P&I - Without Offset · 1 rate · from 6.34%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR6.34%6.59%

Advantage Home Loan - Investment - Variable P&I - Without Offset on Unity Bank’s site ↗

Advantage Home Loan - Owner Occupied - Variable P&I - With Offset · 1 rate · from 6.44%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.44%6.49%

Advantage Home Loan - Owner Occupied - Variable P&I - With Offset on Unity Bank’s site ↗

Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset · 1 rate · from 6.34%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.34%6.39%

Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset on Unity Bank’s site ↗

Advantage Home Loan- Investment - Variable - Interest Only - Without Offset · 1 rate · from 6.69%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.69%6.74%

Advantage Home Loan- Investment - Variable - Interest Only - Without Offset on Unity Bank’s site ↗

Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset · 1 rate · from 6.59%
Rate typeForLVRRateComparison*
VariableOwner-occupier, interest onlyany LVR6.59%6.64%

Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset on Unity Bank’s site ↗

Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset · 1 rate · from 6.49%
Rate typeForLVRRateComparison*
VariableOwner-occupier, interest onlyany LVR6.49%6.54%

Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset on Unity Bank’s site ↗

Australian Government 5% Deposit Scheme · 1 rate · from 6.15%Only for: first home
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.15%6.20%

Australian Government 5% Deposit Scheme on Unity Bank’s site ↗

Bridging Loan - Owner Occupied · 1 rate · from 8.60%Specialist loan
Rate typeForLVRRateComparison*
VariableOwner-occupier, interest onlyany LVR8.60%8.69%

Bridging Loan - Owner Occupied on Unity Bank’s site ↗

Bridging Loan - Investor · 1 rate · from 9.10%Specialist loan
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR9.10%9.22%

Bridging Loan - Investor on Unity Bank’s site ↗

Essential Worker Home Loan - Owner Occupier · 1 rate · from 6.05%Only for: essential worker
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.05%6.10%

Essential Worker Home Loan - Owner Occupier on Unity Bank’s site ↗

First Home Buyer Loan - Owner Occupied - SO · 1 rate · from 6.15%Only for: first home
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.15%6.20%

First Home Buyer Loan - Owner Occupied - SO on Unity Bank’s site ↗

Fixed Rate Home Loan - Owner Occupier - I/O - 12 mths · 1 rate · from 6.65%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, interest onlyany LVR6.65%6.74%

Fixed Rate Home Loan - Owner Occupier - I/O - 12 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Owner Occupier - I/O - 24 mths · 1 rate · from 6.65%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, interest onlyany LVR6.65%6.74%

Fixed Rate Home Loan - Owner Occupier - I/O - 24 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Owner Occupier - I/O - 36 mths · 1 rate · from 6.65%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, interest onlyany LVR6.65%6.74%

Fixed Rate Home Loan - Owner Occupier - I/O - 36 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Owner Occupier - I/O - 48 mths · 1 rate · from 6.80%
Rate typeForLVRRateComparison*
4 year fixedOwner-occupier, interest onlyany LVR6.80%6.89%

Fixed Rate Home Loan - Owner Occupier - I/O - 48 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Owner Occupier - I/O - 60 mths · 1 rate · from 6.80%
Rate typeForLVRRateComparison*
5 year fixedOwner-occupier, interest onlyany LVR6.80%6.89%

Fixed Rate Home Loan - Owner Occupier - I/O - 60 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths · 1 rate · from 6.50%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, principal & interestany LVR6.50%6.59%

Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths · 1 rate · from 6.35%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, principal & interestany LVR6.35%6.44%

Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths · 1 rate · from 6.50%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, principal & interestany LVR6.50%6.59%

Fixed Rate Home Loan - Owner Occupier - P&I - 36 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths · 1 rate · from 6.65%
Rate typeForLVRRateComparison*
4 year fixedOwner-occupier, principal & interestany LVR6.65%6.74%

Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Owner Occupier - P&I - 60 mths · 1 rate · from 6.65%
Rate typeForLVRRateComparison*
5 year fixedOwner-occupier, principal & interestany LVR6.65%6.74%

Fixed Rate Home Loan - Owner Occupier - P&I - 60 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Property Investor - I/O - 12 mths · 1 rate · from 6.80%
Rate typeForLVRRateComparison*
1 year fixedInvestor, interest onlyany LVR6.80%6.89%

Fixed Rate Home Loan - Property Investor - I/O - 12 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Property Investor - I/O - 24 mths · 1 rate · from 6.80%
Rate typeForLVRRateComparison*
2 year fixedInvestor, interest onlyany LVR6.80%6.89%

Fixed Rate Home Loan - Property Investor - I/O - 24 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Property Investor - I/O - 36 mths · 1 rate · from 6.80%
Rate typeForLVRRateComparison*
3 year fixedInvestor, interest onlyany LVR6.80%6.89%

Fixed Rate Home Loan - Property Investor - I/O - 36 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Property Investor - I/O - 48 mths · 1 rate · from 6.95%
Rate typeForLVRRateComparison*
4 year fixedInvestor, interest onlyany LVR6.95%7.04%

Fixed Rate Home Loan - Property Investor - I/O - 48 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Property Investor - I/O - 60 mths · 1 rate · from 6.95%
Rate typeForLVRRateComparison*
5 year fixedInvestor, interest onlyany LVR6.95%7.04%

Fixed Rate Home Loan - Property Investor - I/O - 60 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Property Investor - P&I - 12 mths · 1 rate · from 6.65%
Rate typeForLVRRateComparison*
1 year fixedInvestor, principal & interestany LVR6.65%6.74%

Fixed Rate Home Loan - Property Investor - P&I - 12 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Property Investor - P&I - 24 mths · 1 rate · from 6.65%
Rate typeForLVRRateComparison*
2 year fixedInvestor, principal & interestany LVR6.65%6.74%

Fixed Rate Home Loan - Property Investor - P&I - 24 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Property Investor - P&I - 36 mths · 1 rate · from 6.65%
Rate typeForLVRRateComparison*
3 year fixedInvestor, principal & interestany LVR6.65%6.74%

Fixed Rate Home Loan - Property Investor - P&I - 36 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Property Investor - P&I - 48 mths · 1 rate · from 6.80%
Rate typeForLVRRateComparison*
4 year fixedInvestor, principal & interestany LVR6.80%6.89%

Fixed Rate Home Loan - Property Investor - P&I - 48 mths on Unity Bank’s site ↗

Fixed Rate Home Loan - Property Investor - P&I - 60 mths · 1 rate · from 6.80%
Rate typeForLVRRateComparison*
5 year fixedInvestor, principal & interestany LVR6.80%6.89%

Fixed Rate Home Loan - Property Investor - P&I - 60 mths on Unity Bank’s site ↗

Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO · 1 rate · from 6.34%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.34%6.39%

Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO on Unity Bank’s site ↗

Momentum Home Loan 60-80LVR - Property Investor - Variable - Interest Only · 1 rate · from 6.70%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.70%6.75%

Momentum Home Loan 60-80LVR - Property Investor - Variable - Interest Only on Unity Bank’s site ↗

Momentum Home Loan 60-80LVR - Property Investor - Variable - P&I · 1 rate · from 6.70%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR6.70%6.75%

Momentum Home Loan 60-80LVR - Property Investor - Variable - P&I on Unity Bank’s site ↗

Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO · 1 rate · from 6.24%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.24%6.29%

Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO on Unity Bank’s site ↗

Momentum Home Loan 60LVR - Property Investor - Variable - P&I · 1 rate · from 6.60%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR6.60%6.65%

Momentum Home Loan 60LVR - Property Investor - Variable - P&I on Unity Bank’s site ↗

Momentum Home Loan 60LVR - Property Investor - Variable I/O · 1 rate · from 6.60%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.60%6.65%

Momentum Home Loan 60LVR - Property Investor - Variable I/O on Unity Bank’s site ↗

Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO · 1 rate · from 6.44%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.44%6.49%

Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO on Unity Bank’s site ↗

Momentum Home Loan 80LVR - Property Investor - Variable - I/O · 1 rate · from 6.80%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.80%6.85%

Momentum Home Loan 80LVR - Property Investor - Variable - I/O on Unity Bank’s site ↗

Momentum Home Loan 80LVR - Property Investor - Variable - P&I · 1 rate · from 6.80%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR6.80%6.85%

Momentum Home Loan 80LVR - Property Investor - Variable - P&I on Unity Bank’s site ↗

Retirees Access Home Loan · 1 rate · from 9.50%
Rate typeForLVRRateComparison*
VariableOwner-occupier or investor, interest onlyany LVR9.50%9.60%

Retirees Access Home Loan on Unity Bank’s site ↗

Vic Homebuyer Fund · 1 rate · from 6.15%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.15%6.18%

Vic Homebuyer Fund on Unity Bank’s site ↗

* Comparison rates are calculated on a secured loan of $150,000 over 25 years. 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.

Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.