--- title: "Your Way Home Loan — UniBank" description: "Home Loans from UniBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/unibank/products/6d4a90dc-f765-43b7-8885-45d5dfa68ab4 source: "CDR Compare" language: en-AU last_updated: 2026-08-06T09:23:31.000+10:00 --- # Your Way Home Loan — UniBank > Home Loans from UniBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans** Flexibly structure and manage your home loan, with Your Way Home Loans ## At a glance - **From (owner occupied):** 5.99% (6.05% comparison) ## Apply Applications are handled by the provider: [Apply at UniBank](https://www.unibank.com.au/home-loans/your-way-home-loan) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Your Way Basic Variable LVR up to 60%. 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) | 5.99% | 6.05% | Your Way Basic Variable LVR up to 60% | | Variable (When Your Way Fixed rate loan matures with no further rollover to another fixed rate period the loan reverts to Your Way Variable Rollover rate) | 6.09% | 6.15% | Your Way Variable Rollover ≤95% | | Variable (Your Way Basic Variable LVR >60% - 70%. 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) | 6.19% | 6.25% | Your Way Basic Variable LVR >60% - 70% | | Variable (Your Way Basic Variable LVR >70% - 80%. 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) | 6.29% | 6.35% | Your Way Basic Variable LVR >70%-80% | | Variable (Your Way Basic Variable LVR >80% - 90%. 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) | 6.59% | 6.66% | Your Way Basic Variable LVR >80% - 90% | | Variable (Your Way Basic Variable LVR >90%. 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) | 6.94% | 7.01% | Your Way Basic Variable LVR >90% | | Variable (Your Way Standard Variable. 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) | 8.49% | 8.56% | Your Way Standard Variable ≤95% | ## Fees | Fee | Type | Amount | | --- | --- | --- | | ESTABLISHMENT_FEE — 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 for Full Valuation is a separate fee.), 3 title searches and settlement attendance. | Upfront | $600.00 | | MORTGAGE_DISCHARGE — For preparation of discharge documentation on your written request. $250 in NSW and at cost in other states. At Cost. | Exit | $250.00 | | ADDITIONAL_SECURITY_FEE — Fee applies for each additional security taken. | Event | $120.00 | | ARREARS_ADMINISTRATION_FEE — Payable each time staff action a loan account, RediCredit or Credit Card account in arrears. | Event | $10.00 | | DEFAULT_NOTICE_FEE — Payable when we send you a default notice asking you to remedy a default under your credit contract. | Event | $25.00 | | PAPER_STATEMENT_FEE — Charged monthly · 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. It is in addition to fees for replacement and additional statements. For credit cards, this fee is debited to credit card account on the 7th day of the month after the end of a statement period. For all other accounts, this fee is debited to transaction, savings or loan account in that order on the 15th day of the month after the end of a statement period. Exceptions apply. For more information please refer to our Fees and Charges brochure. · Discount −$1.55 — Paper Statement fee waiver (eligibility: Other: The Paper Statement fee does not apply if you were a member and have not resigned your membership or the Bank has not terminated your membership before 1 November 2018; you opened an account with us and have not closed that account before 1 November 2018; or you are under 18 years of age.) | Ongoing | $1.55 | | FEE_FOR_FULL_VALUATION — 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. | Upfront | $0.00 – $400.00 | | LEGAL_FEES — At cost. For third party professional services used in the preparation of non-standard documents. At Cost. | Upfront | $0.00 – $9,999,999.00 | | LENDERS_MORTGAGE_INSURANCE — 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. | Upfront | $0.00 – $9,999,999.00 | | REGISTRATION_FEE — 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. | Upfront | $0.00 – $9,999,999.00 | | TITLE_SEARCH — 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. | Transaction | $1.00 | | COLLECTION_CHARGES — 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. | Other | $0.00 – $9,999,999.00 | | STAMP_DUTY — 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. | Upfront | $0.00 – $9,999,999.00 | | LOAN_ADMINISTRATION_FEE — 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. | Upfront | $250.00 | | LOAN_VARIATION_FEE — Payable when you apply to vary the terms of your loan. Payable when the variation is agreed between us. | Event | $200.00 | ## Features - **Redraw facility** (Redraw available) - **Extra repayments** (Additional repayments available) - **Ability to split loan** - **Ability to switch in** - **Ability to Top Up** - **Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance** - **Digital banking** (24/7 access via internet banking, mobile app, phone banking) - **Flexible repayments** - **Guarantor supported** ## Eligibility - **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.** - **Residency status** — Individuals must be citizens of permanent residents of Australia. - **Individuals only** - **Minimum age** — 18 years - **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.** ## Constraints - **Minimum limit** — $25,000.00 (Minimum loan amount is $25,000.) - **Minimum LVR** — 0% (Minimum LVR is 0%) - **Maximum LVR** — 9800% (Maximum LVR is 98%) ## More information from UniBank - [Overview](https://www.unibank.com.au/home-loans/your-way-home-loan) - [Terms & conditions](https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf) - [Eligibility](https://www.unibank.com.au/join) - [Fees & pricing](https://www.unibank.com.au/content/dam/documents/collateral/fees-and-charges.pdf) ## Data provenance - Published by UniBank under the Consumer Data Right - Product ID: `6d4a90dc-f765-43b7-8885-45d5dfa68ab4` - Last updated by the provider: 5 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/unibank/6d4a90dc-f765-43b7-8885-45d5dfa68ab4 - Provider page: https://www.cdrcompare.au/brands/unibank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000145 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/unibank/products/6d4a90dc-f765-43b7-8885-45d5dfa68ab4) — product data published by Australian data holders under the Consumer Data Right. 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