Unity BankFixed Rate Home Loan - Property Investor - P&I - 24 mths
The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period.
At a glance
- Max LVR
- 90%
- Features
- redraw, extra repayments
Rates
The one rate Unity Bank publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedComparison 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 | 2 yrs fixed | - | 6.65% | 6.74% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 6 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed | 6.55% | 6.65% | up 0.10 |
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
19 fees published, grouped by when they're charged.
- When you take it outUp to $5009 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_(NEW)
A fee charged to set up a new home loan
$500 - LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(NEW)
A fee charged for consent to a subsequent new mortgage
$400 - 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 happen7
- 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 - FIXED_RATE_LOCK_FEE
A fee charged to guarantee the fixed interest rate quoted to you at loan approval for up to 90 days from the date of approval. The amount is $500.00 or 0.15% of the total fixed rate loan amount which…
$500 - 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
- If the fixed interest rate changes between the disclosure date on your loan contract and the loan funding date, the applicable fixed interest rate on your loan will be the rate at the date of your lo…
- Flexible repayment options weekly, fortnightly or monthly
- 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…
- 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 investment property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial), personal needs, personal investments, off the plan purchases,…
- At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product.
Eligibility and limits
- Minimum age 18
- Residency: Permanent Resident
- Employment: Employed
- Available to individuals
- Maximum LVR 90%
- Available for Property Investors only.
- Applications for credit are subject to the Bank's eligibility and suitability criteria and normal credit approval process.
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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.