UniBank
Your Way Home Loan
Flexibly structure and manage your home loan, with Your Way Interest Only Home Loans
Home loansBank updated 2 Sept 2026
At a glance
- Max LVR
- 98%
- Features
- redraw, extra repayments
§ 01 — Rates · 6
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableYour Way Basic Variable LVR up to 60%. 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 exam… | Owner occupied · Interest only | — | 0–60% LVR | 6.24% | 6.15% | — |
| VariableYour Way Standard Variable. 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… | Owner occupied · Interest only | — | 0–95% LVR | 8.74% | 8.67% | — |
| VariableYour Way Basic Variable LVR 60% - 80%. 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 exam… | Owner occupied · Interest only | — | 60–70% LVR | 6.44% | 6.36% | — |
| VariableYour Way Basic Variable LVR >70% - 80%. 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 exa… | Owner occupied · Interest only | — | 70–80% LVR | 6.54% | 6.46% | — |
| VariableYour Way Basic Variable LVR 80% - 90%. 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 exam… | Owner occupied · Interest only | — | 80–90% LVR | 6.84% | 6.76% | — |
| VariableYour Way Basic Variable LVR >90%. 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… | Owner occupied · Interest only | — | 90–95% LVR | 7.19% | 7.11% | — |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ADDITIONAL_SECURITY_FEE | Event | $120 | — | Fee applies for each additional security taken. |
| DEFAULT_NOTICE_FEE | Event | $25 | — | Payable when we send you a default notice asking you to remedy a default under your credit contract. |
| LOAN_VARIATION_FEE | Event | $200 | — | Payable when you apply to vary the terms of your loan. Payable when the variation is agreed between us. |
| MORTGAGE_DISCHARGE | Exit | $250 | — | For preparation of discharge documentation on your written request. $250 in NSW and at cost in other states. At Cost. |
| COLLECTION_CHARGES | Other | $0 to $9,999,999 | — | At cost. Payable when we request an agent to assist our efforts to address defaults under your contract before we can commence legal action. At Cost. |
| TITLE_SEARCH | Transaction | $1 | — | Fee applies for additional title searches that may be required in addition to those already included in the Establishment fee and Top up fee. At Cost. |
| ESTABLISHMENT_FEE | Upfront | $600 | — | Fee includes the cost of preparing standard documents, 1 automated valuation model or desktop valuation (Please note: if a Full Valuation is required, the Fee for Full Valuation is a separate fee.),… |
| FEE_FOR_FULL_VALUATION | Upfront | $0 to $400 | — | A Full Valuation is where our external valuer physically attends the property to be mortgaged. The mortgage is our security for the loan. If we require a Full Valuation for more than one property, th… |
| LEGAL_FEES | Upfront | $0 to $9,999,999 | — | At cost. For third party professional services used in the preparation of non-standard documents. At Cost. |
| LENDERS_MORTGAGE_INSURANCE | Upfront | $0 to $9,999,999 | — | At cost. If you have less than the required deposit, we may ask you to pay Lender's Mortgage Insurance (LMI). LMI protects the bank in cases of default. The LMI premium is not a bank fee. At Cost. |
| LOAN_ADMINISTRATION_FEE | Upfront | $250 | — | Payable for the processing and assessing of your home loan application and the preparation of your loan. Payable at the time of settlement/funding of your loan. |
| REGISTRATION_FEE | Upfront | $0 to $9,999,999 | — | At cost. A government charge, payable if and when there is a need to register, transfer or discharge an interest on the Certificate of Title. At Cost. |
| STAMP_DUTY | Upfront | $0 to $9,999,999 | — | At cost. A government charge payable to State revenue office when we need to stamp your mortgage to accommodate credit provided under this contract at the amount payable under the relevant stamp duty… |
§ 03 — Features
RedrawExtra repaymentsGuarantor optionDigital banking
- · Ability to split loan
- · Ability to switch in
- · Ability to Top Up
- · Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance
- · Construction loan available while on Interest Only repayments
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be citizens of permanent residents of Australia.
- · Available to individuals
- · Amount $25,000 to no maximum
- · Maximum LVR 98%
- · You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders…
- · All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.
§ 06 — Run the numbers
Put this product through a calculator
Published by UniBank under the Consumer Data Right, last changed by them on 2 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.