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Example Interest Rates: Home Loan Variable: 1.89% (1.9%*) • Home Loan Fixed: 1.84% (2.11%*) • Fixed: 1.84% (2.11%*) • Variable: 1.89% (1.9%*) • Investment IO: 2.05% (4.36%*) • Investment PI: 1.58% (2.72%*)

  First Rate Investment Loan - Variable Special - Principal and Interest - UNITY

Investing in property for the first time or extending your portfolio, our special variable rate Principal and Interest loan with all the benefits of our standard First Rate loan will help you.
Category: Home Loans  Last Updated July 19, 2021  Effective May 8, 2022

 General Lending Rates

Rates listed below are for a product. Additional Information
Interest Rate
NA PA
Comparison Rate
NAPA*
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 Features

  • Free Txns
  • Redraw
  • Digital Banking
  • Notifications
  • Other Additional Information: Auto repayments from salary or transferred from another account weekly, fortnightly, or monthly
  • Other Additional Information: No penalty for lump sum repayments
  • Other Additional Information: No penalty for early pay outs
  • Other Additional Information: Minimum $10,000 top up facility available
  • Other Additional Information: No monthly account keeping/service fees
  • Other Additional Information: Loan period up to 30 years

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Australian Citizen Or Permanent Resident.
  • Other Additional Information: As a Customer Owned Bank, customers must become a shareholder of Unity Bank to open an account.
  • Other Additional Information: Credit eligibility criteria, terms and conditions, fees and charges apply.
  • Other Additional Information: Available for new home loans and refinances from competitors. Minimum home loan balance $150,000. Not available for top-ups or internal product switches.

 Bank Fees and Charges

  • Arrears Management Expense (Event), Amount: 20.00.
  • Copies Of Previous Statements (Event), Amount: 2.50.
  • Frequent Statement Fee (Periodic), Amount: 2.00.
  • Consent To Subdivision (Event), Amount: 250.00. Additional Information: Valuation, Legal and Government fees are additional
  • Consent To Subdivision - Valuation, Government And Legal Fees (Event), Amount: 0.00.
  • Discharge Of Mortgage - Government And Legal Fees (Event), Amount: 0.00.
  • Discharge Of Mortgage - Preparation Processing Fee (Event), Amount: 300.00. Additional Information: Legal and Government fees are additional
  • Establishment Fee - Bridging Loan (Upfront), Amount: 500.00.
  • Establishment Fee - Home Loan Top Ups (Upfront), Amount: 300.00.
  • Mortgage Loan - Legal & Valuation Fees (Upfront), Amount: 0.00. Additional Information: Other fees and charges may apply and will be specified at the time the loan is approved.
  • Progressive Drawing Fee (Upfront), Amount: 250.00.
  • Registration Of Title/dealings (Event), Amount: 150.00. Additional Information: Legal and Government fees are additional
  • Registration Of Title/dealings - Government And Legal Fees (Event), Amount: 0.00.
  • Settlement Fee (Event), Amount: 200.00.
  • Substitution Of Security - Government And Legal Fees (Event), Amount: 0.00.
  • Substitution Of Security - Processing Fee (Event), Amount: 250.00. Additional Information: Legal and Government fees are additional
  • Title Search (Event), Amount: 0.00.
  • Variation Fee - Loan Type (Event), Amount: 150.00.
  • Variation Fee - Renewing Expired (Event), Amount: 150.00.
  • Variation Fee - Switching Variable To Fixed Rate (Event), Amount: 300.00.
  • Variation Fee - Term Of Loan (Event), Amount: 150.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00

 Document Downloads

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  AUS Eastern Standard Time (Washington)

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