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Vic Homebuyer Fund
Unity Bank's Vic Homebuyer Fund is a home loan open only to a stated occupation, employer or membership. 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 5.90% to 6.15%.
Advertised rate
6.15%
headline tier
Comparison rate
6.18%
as published
Last moved
+0.25pp
6 October 2026
Advertised rate, last 30 days. Between 5.90% and 6.15% over the last 30 days.
Every current rate (1)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I | 6.15% | 6.18% |
Rate moves, last 30 days
- 6 October 2026: Variable, Owner occupier, P&I lifted 0.25pp, from 5.90% to 6.15%.
Published fees
| Fee | Amount |
|---|---|
| Loan switch feewhen it happens: A fee charged to switch your loan account from one type to another | $200 |
| 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 |
| Pexa service feeupfront: A fee charged to cover third party costs associated with the establishment of your mortgage | $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 - registration feeon exit: A fee charged to cover third party costs associated with the discharge of your mortgage | $0 |
| Mortgage discharge - pexa service feeon exit: A fee charged to cover third party costs associated with the discharge of your mortgage | see lender |
| Late payment feewhen it happens: A fee charged when you don't make your minimum monthly payment, plus any overdue amount | $15 |
| Default notice feewhen it happens: A fee charged if you default on your repayments and we issue a default notice | $50 |
| Loan establishment fee - mortgage loan (top up)upfront: A fee charged to vary the value of an existing home loan | $200 |
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%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%Fixed Rate Home Loan - Owner Occupier - P&I - 12 mths 6.50%
Get an email the morning Unity Bank moves this rate.
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