Unity BankBridging Loan - Owner Occupied
This loan helps bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold.
At a glance
- Max LVR
- 75%
- Features
- redraw, extra repayments
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… | Owner occupied, Interest only | - | - | 8.85% | 8.95% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 7 Nov 2026 | Variable, Owner occupied, Interest only | 8.60% | 8.85% | up 0.25 |
| 6 Oct 2026 | Variable, Owner occupied, Interest only | 8.35% | 8.60% | 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
12 fees published, grouped by when they're charged.
When you take it out7
- 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 - 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 happen5
- 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 - 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
Features
- Maximum 12 months. For bridging loans with a continuing debt following the sale of one property, loan to be reviewed on receipt of the sale proceeds to structure the continuing debt. All product opti…
- Monthly
- Splitting is when you divide one loan into two or more loan accounts, generally with different loan types, repayment types or interest rates.
Eligibility and limits
- Minimum age 18
- Residency: Permanent Resident
- Employment: Employed
- Available to individuals
- Maximum LVR 75%
- Applications for credit are subject to the Bank s eligibility and suitability criteria and normal credit approval process.
- Loan is restricted to the purchase of an owner-occupied property before an existing property is sold
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Published by Unity Bank under the Consumer Data Right, last changed by them on 6 Nov 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.