Experts choice 2016!

Australia’s best value variable home loan package

What makes Australian Unity home loans different?

Australian Unity is committed to offering market leading rates and product features that matter, because for 175 years we put our customers first, not profits.

0.65% discount off the Standard Variable Rate

Enjoy a 0.60%2 ongoing discount off the published Standard Variable Home Loan rate for the life of the loan. Plus for a limited time, receive an additional 0.05%, making it a total 0.65% ongoing discount.

No annual fee on a credit card of your choice

The value does not stop there. You will receive a fee free credit card, either our cash rewards or classic low rate. You decide.

100% Offset facility

Offset is a great way to help reduce interest on your home loan by linking the loan to a transaction or deposit account. The balance in the transaction account 'offsets' the loan principal.

Free Transaction Account with a Visa Debit

Unlimited access to your money through internet or telephone banking, through the Redi ATM network. You can use your Visa Debit card with payWave wherever you'd normally use a normal debit card.

10% off Australian Unity Health Insurance

A fantastic benefit of this home loan, join Australian Unity Health Insurance and save 10% on hospital and extras cover3

$100 Allianz home and contents insurance credit4

In the first year of your package home loan you will be eligible for a $100 credit towards your home and contents insurance by Allianz when purchased through Australian Unity.

Unlimited redraws ($500 min)

A redraw facility allows you to access additional loan repayments made over and above your scheduled repayments. The minimum redraw amount is $500.

0.10% discount on Fixed Interest Rates

If fixed interest rates are your thing enjoy a 0.10% discount off any Australian Unity Home loan fixed interest rates5

Borrow up to 90% LVR inc LMI

You can borrow up to 90% of the property value (loan value ratio) including lenders mortgage insurance (LMI). LMI is compulsory for all loans greater than 80% of the property value.

One off $600 establishment fee

A low one off fee, gets you ongoing access to great savings and interest rate discounts. This simple establishment fee also means you will not have to pay any ongoing monthly or annual loan service fees for the life of the loan.

Apple Pay

Australian Unity with Apple Pay lets you tap and pay when you're out and about. You can even make purchases in-app or on the web where Apple Pay is accepted10.

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0.65% discount off the Standard Variable Rate

Enjoy a 0.60%2 ongoing discount off the published Standard Variable Home Loan rate for the life of the loan. Plus for a limited time, receive an additional 0.05%, making it a total 0.65% ongoing discount.

No annual fee on a credit card of your choice

The value does not stop there. You will receive a fee free credit card, either our cash rewards or classic low rate. You decide.

100% Offset facility

Offset is a great way to help reduce interest on your home loan by linking the loan to a transaction or deposit account. The balance in the transaction account 'offsets' the loan principal.

Free Transaction Account with a Visa Debit

Unlimited access to your money through internet or telephone banking, through the Redi ATM network. You can use your Visa Debit card with payWave wherever you'd normally use a normal debit card.

10% off Australian Unity Health Insurance

A fantastic benefit of this home loan, join Australian Unity Health Insurance and save 10% on hospital and extras cover3

$100 Allianz home and contents insurance credit4

In the first year of your package home loan you will be eligible for a $100 credit towards your home and contents insurance by Allianz when purchased through Australian Unity.

Unlimited redraws ($500 min)

A redraw facility allows you to access additional loan repayments made over and above your scheduled repayments. The minimum redraw amount is $500.

0.10% discount on Fixed Interest Rates

If fixed interest rates are your thing enjoy a 0.10% discount off any Australian Unity Home loan fixed interest rates5

Borrow up to 90% LVR inc LMI

You can borrow up to 90% of the property value (loan value ratio) including lenders mortgage insurance (LMI). LMI is compulsory for all loans greater than 80% of the property value.

One off $600 establishment fee

A low one off fee, gets you ongoing access to great savings and interest rate discounts. This simple establishment fee also means you will not have to pay any ongoing monthly or annual loan service fees for the life of the loan.

Apple Pay

Australian Unity with Apple Pay lets you tap and pay when you're out and about. You can even make purchases in-app or on the web where Apple Pay is accepted10.

Our rates and potential savings

It’s important to us to demonstrate our great rates and the real savings you could achieve by joining Australian Unity.

Enquire Now

Health, Wealth & Happiness package rates are

3.99%p.aVariable Rate
4.02%p.aComparison Rate1
Owner Occupied Only.
Standard variable
4.64% p.a4.67% p.a
1 year fixed
3.99% p.a4.02% p.a
5 year fixed
4.40% p.a4.19% p.a

A $600 establishment fee and no ongoing annual fees ever

$2,533Savings in just year 1
Save $2,275 on interest
Save $109 on Australian Unity Health Insurance
Save up to $49 on credit card fees
Save $100 on house and contents insurance

Loan savings are based on a loan amount of $350,000 with monthly repayments over 30 years and a 0.65% saving on the Australian Unity standard variable rate of 4.64% p.a. Health Insurance savings based on a couple living in Victoria taking out “Care ‘n’ Repair’ and assumes 0% LHC and Tier 0 Australian Government rebate. House and contents policy needs to be purchased via Big Sky Customer Service Centre.

Our Investor Loan Package starts at 4.19% p.a. variable rate / 4.22% p.a comparison1 rate. Find out more

View all Products.

We offer a range of banking products to meet your personal needs.

Residential investors
0.45% discount off the Standard Variable rate
100% offset option
Borrow up to 90% LVR inc. LMI
4.19%p.aVariable Rate
4.22%p.aComparison rate1
Owner Occupiers
0.85% discount off the Standard Variable rate
Our lowest variable rate
Includes a fee free credit card
3.79%p.aVariable Rate
3.82%p.aComparison rate1
No ATM fees at over 3800 rediATMs Nationwide
Mobile Banking app with Tap & Pay technology
10% off Australian Unity Health Insurance
$0Monthly Account Fee for Australian Unity mortgage holders
1.20% p.a. bonus on the variable rate for 4 months
No deposit or withdrawal restrictions
No account keeping fees
2.90%p.aVariable Rate*
(incl. bonus)
1.70%p.avariable base rate
Great ongoing rate
No deposit or withdrawal restrictions
No account keeping fees
Up to 2.50%p.a. Variable Rate
2.50%p.aVariable Rate
Deposit $250 p.m. and make no withdrawals to earn bonus
For balances up to $500k
No account keeping fees
3.00%p.aVariable Rate*
(incl. bonus)
1.20%p.avariable base rate
PrevNext
Residential investors
0.45% discount off the Standard Variable rate
100% offset option
Borrow up to 90% LVR inc. LMI
4.19%p.aVariable Rate
4.22%p.aComparison rate1
Owner Occupiers
0.85% discount off the Standard Variable rate
Our lowest variable rate
Includes a fee free credit card
3.79%p.aVariable Rate
3.82%p.aComparison rate1
No ATM fees at over 3800 rediATMs Nationwide
Mobile Banking app with Tap & Pay technology
10% off Australian Unity Health Insurance
$0Monthly Account Fee for Australian Unity mortgage holders
1.20% p.a. bonus on the variable rate for 4 months
No deposit or withdrawal restrictions
No account keeping fees
2.90%p.aVariable Rate*
(incl. bonus)
1.70%p.avariable base rate
Great ongoing rate
No deposit or withdrawal restrictions
No account keeping fees
Up to 2.50%p.a. Variable Rate
2.50%p.aVariable Rate
Deposit $250 p.m. and make no withdrawals to earn bonus
For balances up to $500k
No account keeping fees
3.00%p.aVariable Rate*
(incl. bonus)
1.20%p.avariable base rate

Why choose Australian Unity?

Australian Unity is committed to improving the wellbeing of all Australians. We understand wellbeing isn’t just about health, its about happiness, financial security, peace of mind and a sense of belonging.

Personal Service

To simplify the process of getting a home loan, our experienced mobile bankers are available to visit you at a time and location that suits. Whether at your work, or in your home after hours, our friendly home loan specialists are ready to help you buy your first or second home, refinance or purchase an investment property.

Personal Bankers

As an Australian Unity customer you will have your own experienced Personal Banker that is only ever one call away to help with your banking needs. We don’t operate an overseas call centre and it is our promise to you that we will deliver a specialised and personal experience.

175 years of helping people

As a mutual company with a 175 year history, Australian Unity has developed a strong focus on taking care of members. Australian Unity is a national healthcare, financial services and retirement living organisation providing services to more than half a million Australians.

Market Leading Benefits and Inclusions

Australian Unity provides a range of market leading benefits and inclusions in addition to 0.65% ongoing discount off the published Standard Variable Home Loan rate for the life of the loan. These include 100% offset facility, no annual fee on a credit card of your choice, a free Transaction Account with a Visa Debit Card, 10% off Australian Unity Health Insurance and more.

A genuine alternative to the major banks

Australian Unity Home Loans represent a genuine and competitive alternative to lending from the major banks.

We strive for wellbeing

Wellbeing is at the heart of everything we do. We aim to help customers improve their financial wellbeing through the delivery of quality solutions that offer real value.

Submit a loan enquiry

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