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Unity Bank · Home loans
Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset
Unity Bank's Advantage Home Loan- Owner Occupied - Variable - Interest Only - With Offset is a home loan. The figures are the ones Unity Bank publishes under the Consumer Data Right today. The advertised rate last moved on 6 October 2026, up from 6.44% to 6.59%.
Advertised rate
6.59%
headline tier
Comparison rate
6.64%
as published
Last moved
+0.15pp
6 October 2026
Advertised rate, last 30 days. Between 6.44% and 6.59% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, Interest only | 6.59% | 6.64% |
Rate moves, last 30 days
- 6 October 2026: Variable, Owner occupier, Interest only lifted 0.15pp, from 6.44% to 6.59%.
Published fees
| Fee | Amount |
|---|---|
| Loan switch feewhen it happens: A fee charged to switch your loan account from one type to another | $200 |
| Valuation feeupfront: A fee charged to cover the cost of obtaining a valuation report on your property or the property being purchased | see lender |
| Title search feeupfront: A third party cost for a Title Search to determine any interests in a property | see lender |
| Registration feesupfront: A third party cost for registration of mortgage | see lender |
| Stamp duty (mortgage)upfront: The tax charged on written documents and certain transactions imposed by the state government, such as mortgages and property transfers | see lender |
| Lenders mortgage insuranceupfront: Third party cost for insurance that protects the lender in the event that the borrower defaults on their home or investment loan | $0 |
| Mortgage administration feewhen it happens: 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 |
| Consent feewhen it happens: 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 |
| Mortgage discharge feeon exit: 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 | $300 |
| Mortgage discharge - pexa service feeon exit: A fee charged to cover third party costs associated with the discharge of your mortgage | see lender |
| Mortgage discharge - registration feeon exit: A fee charged to cover third party costs associated with the discharge of your mortgage | $0 |
| Late payment feewhen it happens: A fee charged when you don't make your minimum monthly payment, plus any overdue amount | $15 |
Other Unity Bank home loans
Essential Worker Home Loan - Owner Occupier 6.05%Australian Government 5% Deposit Scheme 6.15%First Home Buyer Loan - Owner Occupied - SO 6.15%Vic Homebuyer Fund 6.15%Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO 6.24%Advantage Home Loan - Investment - Variable P&I - Without Offset 6.34%Advantage Home Loan - Owner Occupied - Variable P&I - Without Offset 6.34%Momentum Home Loan 60-80LVR - Owner Occupier - Variable - P&I SO 6.34%Fixed Rate Home Loan - Owner Occupier - P&I - 24 mths 6.35%Advantage Home Loan - Owner Occupied - Variable P&I - With Offset 6.44%Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO 6.44%Advantage Home Loan- Owner Occupied - Variable - Interest Only - Without Offset 6.49%
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