Unity BankMomentum Home Loan 80LVR - 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.
At a glance
- Variable (investor P&I)
- 6.80%
- Max LVR
- 90%
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.80% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 73rd lowest of 104, level with one other |
Rates
The one rate Unity Bank publishes for this home loan.
| 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 | - | - | 6.80% | 6.85% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Oct 2026 | Variable, Investment, P&I | 6.55% | 6.80% | up 0.25 |
Each change is logged the night it appears in the rates Unity Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
18 fees published, grouped by when they're charged.
- When you take it outUp to $2009 fees, each listed below
- While you hold itNo fee published
- When you close it or pay it offUp to $3003 fees, each listed below
When you take it out9
- LENDERS_MORTGAGE_INSURANCE
Third party cost for insurance that protects the lender in the event that the borrower defaults on their home or investment loan
No fee - LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP)
A fee charged to vary the value of an existing home loan
$200 - LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP)
A fee charged for consent to a subsequent mortgage to vary the value of an existing home loan
$200 - PEXA_SERVICE_FEE
A fee charged to cover third party costs associated with the establishment of your mortgage
No fee - REGISTRATION_FEES
A third party cost for registration of mortgage
$129.20 to $248.04 - SECURITY_GUARANTOR_FEE
Payable if a guarantor is listed on the loan schedule.
$200 - STAMP_DUTY_(MORTGAGE)
The tax charged on written documents and certain transactions imposed by the state government, such as mortgages and property transfers
$0 to $0 - TITLE_SEARCH_FEE
A third party cost for a Title Search to determine any interests in a property
$8.30 to $42 - VALUATION_FEE
A fee charged to cover the cost of obtaining a valuation report on your property or the property being purchased
$0 to $1,000
When particular things happen6
- CONSENT_FEE
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
$300 - DEFAULT_NOTICE_FEE
A fee charged if you default on your repayments and we issue a default notice
$50 - LATE_PAYMENT_FEE
A fee charged when you don't make your minimum monthly payment, plus any overdue amount
$15 - LOAN_SWITCH_FEE
A fee charged to switch your loan account from one type to another
$200 - MORTGAGE_ADMINISTRATION_FEE
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
$150 - RE-DOCUMENTATION_FEE
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.
$250
When you close it or pay it off3
- MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE
A fee charged to cover third party costs associated with the discharge of your mortgage
$26.29 to $70.29 - MORTGAGE_DISCHARGE_-_REGISTRATION_FEE
A fee charged to cover third party costs associated with the discharge of your mortgage
No fee - MORTGAGE_DISCHARGE_FEE
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
$300
Features
- 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.
- Lenders Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR…
- 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.
- No establishment fee is charged.
- Valuation fee waived up to $1,000.
Eligibility and limits
- Minimum age 18
- Residency: Permanent Resident
- Employment: Employed
- Available to individuals
- Maximum LVR 90%
- 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
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Published by Unity Bank under the Consumer Data Right, last changed by them on 6 Oct 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.