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UniBank · Home loans
Your Way Home Loan
UniBank's Your Way Home Loan is a home loan. The figures are the ones UniBank publishes under the Consumer Data Right today. The advertised rate last moved on 8 October 2026, up from 5.94% to 6.19%.
Advertised rate
6.19%
headline tier
Comparison rate
6.25%
as published
Last moved
+0.25pp
8 October 2026
Advertised rate, last 30 days. Between 5.94% and 6.19% over the last 30 days.
Every current rate (7)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%Your Way Basic Variable LVR up to 60% | 6.19% | 6.25% |
| Variable, Owner occupier, P&I, LVR up to 95%, your way variable rollover | 6.19% | 6.25% |
| Variable, Owner occupier, P&I, LVR 60 to 70%Your Way Basic Variable LVR >60% - 70% | 6.29% | 6.35% |
| Variable, Owner occupier, P&I, LVR 70 to 80%Your Way Basic Variable LVR >70%-80% | 6.34% | 6.49% |
| Variable, Owner occupier, P&I, LVR 80 to 90%Your Way Basic Variable LVR >80% - 90% | 6.84% | 6.91% |
| Variable, Owner occupier, P&I, LVR 90 to 98%Your Way Basic Variable LVR >90% | 7.19% | 7.26% |
| Variable, Owner occupier, P&I, LVR up to 95%, your way standard variable | 8.74% | 8.81% |
Rate moves, last 30 days
- 8 October 2026: 6 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 60%, from 5.94% to 6.19%.
Published fees
| Fee | Amount |
|---|---|
| Establishment feeupfront: Fee includes the cost of preparing standard documents, 1 automated valuation model or desktop valuation (Please note: if a Full Valuation is required, the Fee f | $600 |
| Mortgage dischargeon exit: For preparation of discharge documentation on your written request. | $250 |
| Additional security feewhen it happens: Fee applies for each additional security taken. | $120 |
| Arrears administration feewhen it happens: Payable each time staff action a loan account, RediCredit or Credit Card account in arrears. | $10 |
| Default notice feewhen it happens: Payable when we send you a default notice asking you to remedy a default under your credit contract. | $25 |
| Paper statement feerecurring: This fee applies when you have elected to receive a paper statement by post in addition to a statement available to view and download in internet banking. | $1.55 |
| Fee for full valuationupfront: A Full Valuation is where our external valuer physically attends the property to be mortgaged. | see lender |
| Legal feesupfront: At cost. | see lender |
| Lenders mortgage insuranceupfront: At cost. | see lender |
| Registration feeupfront: At cost. | see lender |
| Title searchper transaction: Fee applies for additional title searches that may be required in addition to those already included in the Establishment fee and Top up fee. | $1 |
| Collection charges: At cost. | see lender |
Other UniBank home loans
Your Way Plus Home Loan 6.19%Your Way Home Loan Investor 6.39%Your Way Plus Fixed Home Loan 6.39%Your Way Plus Home Loan Investor 6.39%Your Way Fixed Rate Home Loan 6.49%Your Way Home Loan 6.49%Your Way Plus Interest Only Home Loan 6.49%Your Way Plus Fixed Home Loan Investor 6.54%Your Way Interest Only Home Loan Investor 6.59%Your Way Plus Interest Only Home Loan Investor 6.59%Your Way Fixed Rate Home Loan Investor 6.64%Your Way Plus Fixed Interest Only Home Loan 6.64%
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