Lenders › Unity Bank home loan rates
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 type | Rate | Comparison* |
|---|---|---|
| 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | any LVR | 6.79% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, principal & interest | any LVR | 6.64% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, principal & interest | any LVR | 6.34% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | any LVR | 6.44% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | any LVR | 6.34% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | any LVR | 6.69% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, interest only | any LVR | 6.59% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, interest only | any LVR | 6.49% | 6.54% |
Australian Government 5% Deposit Scheme · 1 rate · from 6.15%Only for: first home
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | any LVR | 6.15% | 6.20% |
Australian Government 5% Deposit Scheme on Unity Bank’s site ↗
Bridging Loan - Owner Occupied · 1 rate · from 8.60%Specialist loan
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, interest only | any LVR | 8.60% | 8.69% |
Bridging Loan - Investor · 1 rate · from 9.10%Specialist loan
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | any LVR | 9.10% | 9.22% |
Essential Worker Home Loan - Owner Occupier · 1 rate · from 6.05%Only for: essential worker
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | any LVR | 6.05% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | any LVR | 6.15% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Owner-occupier, interest only | any LVR | 6.65% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 2 year fixed | Owner-occupier, interest only | any LVR | 6.65% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 3 year fixed | Owner-occupier, interest only | any LVR | 6.65% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 4 year fixed | Owner-occupier, interest only | any LVR | 6.80% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 5 year fixed | Owner-occupier, interest only | any LVR | 6.80% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Owner-occupier, principal & interest | any LVR | 6.50% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 2 year fixed | Owner-occupier, principal & interest | any LVR | 6.35% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 3 year fixed | Owner-occupier, principal & interest | any LVR | 6.50% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 4 year fixed | Owner-occupier, principal & interest | any LVR | 6.65% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 5 year fixed | Owner-occupier, principal & interest | any LVR | 6.65% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Investor, interest only | any LVR | 6.80% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 2 year fixed | Investor, interest only | any LVR | 6.80% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 3 year fixed | Investor, interest only | any LVR | 6.80% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 4 year fixed | Investor, interest only | any LVR | 6.95% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 5 year fixed | Investor, interest only | any LVR | 6.95% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Investor, principal & interest | any LVR | 6.65% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 2 year fixed | Investor, principal & interest | any LVR | 6.65% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 3 year fixed | Investor, principal & interest | any LVR | 6.65% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 4 year fixed | Investor, principal & interest | any LVR | 6.80% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 5 year fixed | Investor, principal & interest | any LVR | 6.80% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | any LVR | 6.34% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | any LVR | 6.70% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, principal & interest | any LVR | 6.70% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | any LVR | 6.24% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, principal & interest | any LVR | 6.60% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | any LVR | 6.60% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | any LVR | 6.44% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | any LVR | 6.80% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, principal & interest | any LVR | 6.80% | 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 type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier or investor, interest only | any LVR | 9.50% | 9.60% |
Vic Homebuyer Fund · 1 rate · from 6.15%
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | any LVR | 6.15% | 6.18% |
* 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.