{
  "source": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/94aaed0d-a065-42cb-9e84-379c63b64e15",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "94aaed0d-a065-42cb-9e84-379c63b64e15",
    "lastUpdated": "2026-07-13T11:42:13.000+10:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "Your Way Plus Interest Only Home Loan",
    "description": "Get flexibility for your home loan PLUS take advantage of our package benefits with special low rates Interest Only option and much more.",
    "brand": "UB",
    "brandName": "UniBank",
    "applicationUri": "https://www.unibank.com.au/home-loans/your-way-plus-home-loan",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.unibank.com.au/home-loans/your-way-plus-home-loan",
      "termsUri": "https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf",
      "eligibilityUri": "https://www.unibank.com.au/join",
      "feesAndPricingUri": "https://www.unibank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "Redraw available"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Additional repayments available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to split loan"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to switch loan"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Ability to Top Up"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access via internet banking, mobile app, phone banking"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Discounted Variable rates for life of the loan"
      },
      {
        "featureType": "OFFSET",
        "additionalInfo": "PLUS 100% offset"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Establishment, valuation and top up fees waived",
        "additionalInfo": "PLUS establishment, valuation and top up fees waived"
      },
      {
        "featureType": "COMPLEMENTARY_PRODUCT_DISCOUNTS",
        "additionalValue": "Personal loan application fees waived",
        "additionalInfo": "PLUS personal loan application fees waived"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Construction loan available whilst repayments are in Interest Only"
      },
      {
        "featureType": "GUARANTOR"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "150000.00",
        "additionalInfo": "Minimum loan amount is $150,000."
      },
      {
        "constraintType": "MIN_LVR",
        "additionalValue": "0.00",
        "additionalInfo": "Minimum LVR is 0%"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "98.00",
        "additionalInfo": "Maximum LVR is 98%"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank.",
        "additionalInfoUri": "https://www.unibank.com.au/join"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens of permanent residents of Australia."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Borrower must have satisfied Your Way Plus Home Loan Package eligibility.",
        "additionalInfoUri": "https://www.unibank.com.au/-/media/global/pdfs/your-way-plus-package-terms-and-conditions.ashx"
      }
    ],
    "fees": [
      {
        "name": "MORTGAGE_DISCHARGE",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "For preparation of discharge documentation on your written request. $250 in NSW and at cost in other states. At Cost."
      },
      {
        "name": "ADDITIONAL_SECURITY_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "120.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies for each additional security taken."
      },
      {
        "name": "ACCOUNT_FUNCTIONS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "$2.50 for each increment up to 3 minutes. Payable at the time the service is provided."
      },
      {
        "name": "DEFAULT_NOTICE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when we send you a default notice asking you to remedy a default under your credit contract."
      },
      {
        "name": "LEGAL_FEES",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. For third party professional services used in the preparation of non-standard documents. At Cost."
      },
      {
        "name": "LENDERS_MORTGAGE_INSURANCE",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. If you have less than the required deposit, we may ask you to pay Lender's Mortgage Insurance (LMI). LMI protects the bank in cases of default. The LMI premium is not a bank fee. At Cost."
      },
      {
        "name": "REGISTRATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. A government charge, payable if and when there is a need to register, transfer or discharge an interest on the Certificate of Title. At Cost."
      },
      {
        "name": "TITLE_SEARCH",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Fee applies for additional title searches that may be required in addition to those already included in the Establishment fee and Top up fee. At Cost."
      },
      {
        "name": "COLLECTION_CHARGES",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. Payable when we request an agent to assist our efforts to address defaults under your contract before we can commence legal action. At Cost."
      },
      {
        "name": "STAMP_DUTY",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "9999999.00"
        },
        "currency": "AUD",
        "additionalInfo": "At cost. A government charge payable to State revenue office when we need to stamp your mortgage to accommodate credit provided under this contract at the amount payable under the relevant stamp duty scale. At Cost."
      },
      {
        "name": "PACKAGE_FEE-HOME_LOANS",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "300.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Applicable for New loans after 1 August 2019. The package fee for your home loan will be debited from the nominated Everyday Direct account when your home loan is first approved and then on every anniversary thereafter until the end of your home loan."
      },
      {
        "name": "FEE_FOR_FULL_VALUATION",
        "feeType": "UPFRONT",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00",
          "feeMaximum": "400.00"
        },
        "currency": "AUD",
        "additionalInfo": "A Full Valuation is where our external valuer physically attends the property to be mortgaged. The mortgage is our security for the loan. If we require a Full Valuation for more than one property, the Fee for Full Valuation is payable for each property offered as security for the loan. At Cost (Maximum $400) per security property."
      },
      {
        "name": "LOAN_ADMINISTRATION_FEE",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable for the processing and assessing of your home loan application and the preparation of your loan. Payable at the time of settlement/funding of your loan."
      },
      {
        "name": "LOAN_VARIATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "200.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable when you apply to vary the terms of your loan. Payable when the variation is agreed between us."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0634",
        "comparisonRate": "0.0647",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Variable LVR up to 60%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.001000",
            "maximumValue": "0.600000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0644",
        "comparisonRate": "0.0657",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Variable LVR >60%-70%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.601000",
            "maximumValue": "0.700000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0684",
        "comparisonRate": "0.0697",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Variable LVR >80%-90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.801000",
            "maximumValue": "0.899999",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0719",
        "comparisonRate": "0.0732",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Variable LVR >90%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.901000",
            "maximumValue": "0.980000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0654",
        "comparisonRate": "0.0667",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "Variable LVR >70%-80%",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.700001",
            "maximumValue": "0.800000",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate"
      }
    ]
  }
}