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Home Loan Variable: 5.99% (6.00%*) • Home Loan Fixed: 5.39% (5.84%*) • Fixed: 5.39% (5.84%*) • Variable: 5.99% (6.00%*) • Investment IO: 5.69% (6.19%*) • Investment PI: 5.55% (6.02%*)

  Health Wealth Happiness Home Loan Package

A loan package with all the trimmings – enjoy flexibility, low rates, great savings and lots of extras.
Category: Home Loans  Last Updated September 30, 2024  Effective October 14, 2024

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Variable rate discounted, owner occupier, principal and interest, <70%LVR
Interest Rate
6.18% PA
Comparison Rate
6.53%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 7.90%, Comparison Rate 8.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 12 MONTH Maximum: 12 MONTH
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.64%, Comparison Rate 6.57%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 24 MONTH Maximum: 24 MONTH
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.84%, Comparison Rate 6.66%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 36 MONTH Maximum: 36 MONTH
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.48%, Comparison Rate 6.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 60 MONTH Maximum: 60 MONTH
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.75%, Comparison Rate 6.78%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.24%, Comparison Rate 6.59%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.01%, Comparison Rate 8.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 12 MONTH Maximum: 12 MONTH
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.74%, Comparison Rate 6.64%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 24 MONTH Maximum: 24 MONTH
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 6.73%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 36 MONTH Maximum: 36 MONTH
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.58%, Comparison Rate 6.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 60 MONTH Maximum: 60 MONTH
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.85%, Comparison Rate 6.86%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.44%, Comparison Rate 6.79%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.21%, Comparison Rate 8.53%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 12 MONTH Maximum: 12 MONTH
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 6.83%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 24 MONTH Maximum: 24 MONTH
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 6.91%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 36 MONTH Maximum: 36 MONTH
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.73%, Comparison Rate 6.87%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 60 MONTH Maximum: 60 MONTH
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.00%, Comparison Rate 7.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 6.79%, Comparison Rate 7.11%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
  • Lending Rate Type: Variable
  • Interest Rate: 8.66%, Comparison Rate 8.96%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 12 MONTH Maximum: 12 MONTH
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.00%, Comparison Rate 7.14%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 24 MONTH Maximum: 24 MONTH
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.30%, Comparison Rate 7.22%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 36 MONTH Maximum: 36 MONTH
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 6.69%, Comparison Rate 7.08%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 60 MONTH Maximum: 60 MONTH
  LVR
  • Lending Rate Type: Fixed
  • Interest Rate: 7.21%, Comparison Rate 7.29%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.89%, Comparison Rate 7.21%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.81%, Comparison Rate 9.11%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 12 MONTH Maximum: 12 MONTH
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.10%, Comparison Rate 7.24%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 24 MONTH Maximum: 24 MONTH
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.40%, Comparison Rate 7.32%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 36 MONTH Maximum: 36 MONTH
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.79%, Comparison Rate 7.18%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 60 MONTH Maximum: 60 MONTH
  LVR
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.31%, Comparison Rate 7.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 7.04%, Comparison Rate 7.36%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 8.96%, Comparison Rate 9.26%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 12 MONTH Maximum: 12 MONTH
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.25%, Comparison Rate 7.39%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 24 MONTH Maximum: 24 MONTH
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.55%, Comparison Rate 7.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 36 MONTH Maximum: 36 MONTH
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.94%, Comparison Rate 7.33%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  BALANCE
Minimum: $200000.00 Maximum: $2500000.00
  TERM
Minimum: 60 MONTH Maximum: 60 MONTH
  LVR
Minimum: 80.01 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.46%, Comparison Rate 7.54%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied

 Product Features

  • Redraw Additional Information: Yes - redraw available via Internet Banking (min $500) – available on variable loans only.
  • Other Additional Information: A valuation is required for a loan top up.
  • Other Additional Information: 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 payments to Principal and Interest repayments.
  • Other Additional Information: Splitting is when you divide one loan into two or more loan accounts, generally with different loan types, repayment types or interest rates. We allow this with up to 4 splits per loan.
  • Other Additional Information: This is required for loans above 80% LVR, fees apply.
  • Offset Additional Information: 100% offset available on variable rate loans, no offset facility available on fixed rate loans.
  • Digital Banking Additional Information: We’ve made it easier than ever to access and manage your money. Manage your money on the go with our mobile banking app, or login to internet banking to manage your account, view your transactions, transfer funds and more. We also offer phone banking and SMS banking.
  • Other Additional Information: Yes, fees apply.
  • Other Additional Information: Unlimited additional repayments and early repayments (discharge fee may apply) when on variable rate home loans. You may make up to $10,000 of additional payments a year on fixed rate loans. Early loan payout on a fixed rate loan may result in break costs being charged.

 Product Eligibility

  • Residency Status - You Must Be An Australian Citizen Or Permanent Australian Resident That Resides In Australia.. Additional Information: You must be an Australian citizen or permanent Australian resident that resides in Australia.
  • Min Age - 18. Additional Information: To apply you need to be 18 years of age or over.

 Bank Fees and Charges

  • Establishment Fee (Event), Amount: 0.00. Additional Information: The fixed interest rate will be locked (held) for a Rate Lock Period of 90 days from the date we receive the fixed interest rate lock request and is not available after this 90 days Rate Lock Period has ended.
  • Annual Package Fee (Periodic), Amount: 399.00. Additional Information: The Fixed Interest Rate Lock Fee will not be charged if settlement does not proceed.
  • Discharge Fee (Event), Amount: 375.00. Additional Information: Payable when the security on your property is released. This fee covers our costs of preparing the necessary documentation to allow the discharge of your mortgage or other security type. Statutory government registration fees will also apply. Fee does not include settlement agent fees in non-CBD locations, which will be charged additionally as per cost to us.
  • Loan Re-documentation Fee (Event), Amount: 150.00. Additional Information: Payable if the loan documents need to be reprepared due to a change in requirement by the customer. This fee also applies should you not proceed with the loan after the new loan contract is prepared.
  • Loan Top Up Fee (Event), Amount: 299.00. Additional Information: Payable when additional funds are requested under an existing mortgage. This fee covers administration costs where there is no change to the security or borrowers. Please note: Full valuation required for a loan top up will be charged as per the cost to us.
  • Change Of Security Fee (Event), Amount: 199.00. Additional Information: Payable when you wish to change security against your Home Loan with another security that is currently mortgaged to Australian Unity. If discharge of existing security is required, the discharge of mortgage fee will also be payable
  • Additional Valuation Fee (Event), Amount: 349.00. Additional Information: Payable for any additional valuation required as part of the loan settlement process. Covers valuation for a residential property valued up to $1.5M. Please note: Valuation for any residential property with an expected value above $1.5M will be charged as per the cost to us.
  • Loan Restructure Fee (Event), Amount: 399.00. Additional Information: Payable when the loan requires restructuring e.g. when a loan is changed from having two account holders to one account holder. Discharge of mortgage fee will also apply if a discharge and lodgement of a new mortgage are required. Yes on variable (interest only during construction period). N/A on fixed rate loan (can fix after construction period ends)
  • Construction Loan (Event), Amount: 750.00. Additional Information: This fee includes property valuations at up to 5 stages of construction and up to 5 progress payments. Additional valuations or progress payments will be charged the standard published fees
  • Additional Payments (Event), Amount: 50.00. Additional Information: Payable for every progress payment made after the 5 progress payments covered in the construction loan fee.
  • Bank Cheque Fee (Event), Amount: 20.00. Additional Information: Payable when additional bank cheques are required as part of the settlement process.
  • Title/documentation Production Fee (Event), Amount: 249.00. Additional Information: Payable per occurrence of title production request. Statutory government fees will also apply.
  • Preparation Of Deed Of Priority (Event), Amount: 399.00. Additional Information: Payable per occurrence of preparation of deed of priority.
  • Product Switch Fee (Event), Amount: 399.00. Additional Information: Payable to cover associated administrative costs when switching between loan products.
  • Interest Type Switch Fee (Event), Amount: 249.00. Additional Information: Payable when you request to change your loan interest rate type e.g. Interest Only to Principal and Interest or vice versa and/or Variable to Fixed Interest Rate or vice versa.
  • Staff Assisted Redraw (Event), Amount: 50.00. Additional Information: Payable when a redraw request is manually performed by a staff member.
  • Audit Request Fee (Event), Amount: 30.00. Additional Information: $30 per hour (min charge $30). Charged when you request us to provide a written confirmation of your financial accounts with Australian Unity.
  • Documentation Search Fee (Event), Amount: 30.00. Additional Information: $30 per hour (min charge $15). Charged when you request us to search and/or retrieve voucher/s or other documentation connected to your accounts with Australian Unity.
  • Fixed Interest Rate Lock Fee - Owner Occupied Principal & Interest (Variable), Amount: Not Listed.. Additional Information: 0.15% of the approved fixed loan amount with a minimum fee of $499.
  • Fixed Interest Rate Lock Fee - Owner Occupied Interest Only (Variable), Amount: Not Listed.. Additional Information: 0.15% of the approved fixed loan amount with a minimum fee of $499.

 Limitations & Restrictions (Constraints)

  • Min Balance of 200000 Additional Information: Minimum loan balance of $200,000.
  • Max Balance of 2500000 Additional Information: Maximum loan amount $2,500,000.
…

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