Unity Bank
Fixed Rate Home Loan - Owner Occupier - P&I - 60 mths
The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period.
Home loansBank updated 14 Sept 2026
At a glance
- Fixed
- 5 yrs 6.35%
- Max LVR
- 95%
- Features
- redraw, extra repayments
§ 01 — Rates · 1
| 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… | Owner occupied · P&I | 5 yrs fixed | — | 6.35% | 6.44% | — |
§ 02 — Fees · 19
| 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 |
| FIXED_RATE_LOCK_FEE | Event | $500 | — | 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… |
| 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 |
| LENDERS_MORTGAGE_INSURANCE | Upfront | No fee | — | Third party cost for insurance that protects the lender in the event that the borrower defaults on their home or investment loan |
| LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(NEW) | Upfront | $500 | — | A fee charged to set up a new home loan |
| LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(NEW) | Upfront | $400 | — | A fee charged for consent to a subsequent new mortgage |
| SECURITY_GUARANTOR_FEE | Upfront | $200 | — | Payable if a guarantor is listed on the loan schedule. |
§ 03 — Features
RedrawExtra repaymentsInstant paymentsPayIDDigital banking
- · 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 the purposes of owner occupied property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial), personal needs, off the plan purchases an…
- · 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.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Permanent Resident
- · Employment: Employed
- · Available to individuals
- · Maximum LVR 95%
- · Available for Owner Occupiers only.
- · Applications for credit are subject to the Bank's eligibility and suitability criteria and normal credit approval process.
§ 06 — Run the numbers
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Published by Unity Bank under the Consumer Data Right, last changed by them on 14 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.