Unity Bank
Momentum Home Loan 60LVR - Property Investor - Variable - P&I
Your lifestyle, family or financial situation may have changed since you purchased your property. Our Momentum Home Loan was designed to make refinancing from another financial institution easy.
Home loansBank updated 14 May 2026
At a glance
- Variable (investor P&I)
- 6.35%
- Max LVR
- 60%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableComparison rate based on $150,000 loan 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 a… | Investment · P&I | — | — | 6.35% | 6.40% | — |
§ 02 — Fees · 17
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE | Cash advance | No fee | — | A fee charged to cover third party costs associated with the discharge of your mortgage |
| MORTGAGE_DISCHARGE_-_REGISTRATION_FEE | Cash advance | No fee | — | A fee charged to cover third party costs associated with the discharge of your mortgage |
| PEXA_SERVICE_FEE | Cash advance | No fee | — | A fee charged to cover third party costs associated with the establishment of your mortgage |
| REGISTRATION_FEES | Cash advance | No fee | — | A third party cost for registration of mortgage |
| STAMP_DUTY_(MORTGAGE) | Cash advance | No fee | — | The tax charged on written documents and certain transactions imposed by the state government, such as mortgages and property transfers |
| TITLE_SEARCH_FEE | Cash advance | No fee | — | A third party cost for a Title Search to determine any interests in a property |
| VALUATION_FEE | Cash advance | No fee | — | A fee charged to cover the cost of obtaining a valuation report on your property or the property being purchased |
| CONSENT_FEE | Event | $300 | — | A fee charged for consent to subdivide, substitute, lease, cross-collateralise or any other matter where we need to reassess the loan in any way |
| DEFAULT_NOTICE_FEE | Event | $50 | — | A fee charged if you default on your repayments and we issue a default notice |
| LATE_PAYMENT_FEE | Event | $15 | — | A fee charged when you don't make your minimum monthly payment, plus any overdue amount |
| LOAN_SWITCH_FEE | Event | $200 | — | A fee charged to switch your loan account from one type to another |
| MORTGAGE_ADMINISTRATION_FEE | Event | $150 | — | A fee charged if we are asked by you or your legal representative to make any of our loan documents available to you during the life of the loan |
| RE-DOCUMENTATION_FEE | Event | $250 | — | A fee charged if you request to make a change such as include a Fixed Rate Lock fee after your Loan Offer & Contract documentation has been provided, but prior to loan settlement. |
| MORTGAGE_DISCHARGE_FEE | Exit | $300 | — | A fee charged if you repay your loan and request us to discharge your mortgage, includes our costs and is in addition to any costs incurred by us from external parties |
| LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP) | Upfront | $200 | — | A fee charged to vary the value of an existing home loan |
| LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP) | Upfront | $200 | — | A fee charged for consent to a subsequent mortgage to vary the value of an existing home loan |
| SECURITY_GUARANTOR_FEE | Upfront | $200 | — | Payable if a guarantor is listed on the loan schedule. |
§ 03 — Features
Offset accountRedrawExtra repaymentsInstant paymentsPayIDDigital banking
- · 30 years
- · You can increase your loan amount throughout the life of the loan, subject to equity held in your property and our approval.
- · Switching is a change to one or more aspects of your loan's terms and conditions, for example switching from a variable rate to a fixed rate or switching from Interest Only to Principal and Interest…
- · Splitting is when you divide one loan into two or more loan accounts, generally with different loan types, repayment types or interest rates.
- · Flexible repayment options weekly, fortnightly or monthly
- · A guarantor supports the loan by providing us with an additional security such as their home. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to…
- · This loan can be used for the purposes of refinancing your investment property from an another lender only, with the interest rate based on LVR tiers.
- · Valuation fee waived up to $1,000.
- · No establishment fee is charged.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Permanent Resident
- · Employment: Employed
- · Available to individuals
- · Maximum LVR 60%
- · Opening balance $100,000
- · Applications for credit are subject to the Bank s eligibility and suitability criteria and normal credit approval process.
- · Only available for external refinancing purposes
§ 06 — Run the numbers
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Published by Unity Bank under the Consumer Data Right, last changed by them on 14 May 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.