Your Way Fixed Rate Home Loan
Stay in control with the ability to adapt your loan as your needs change. Lock in a rate for up to 5 years with our Fixed Rate option.
- From (owner occupied)
- 6.49%
- 6.2% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Fixed Rate for 1 year. 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 | 6.49% | 6.2% | — |
| Fixed · 2 years Fixed Rate for 2 years. 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% | 6.25% | — |
| Fixed · 3 years Fixed Rate for 3 years. 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 | 6.69% | 6.33% | — |
| Fixed · 4 years Fixed Rate for 4 years. 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 |
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 |
| DEFAULT_NOTICE_FEE Payable when we send you a default notice asking you to remedy a default under your credit contract. | Event | $25.00 |
| 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 |
Features
- 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 — $25,000.00Minimum loan amount is $25,000.
- Minimum LVR — 0%Minimum LVR is 0%
- Maximum LVR — 9800%Maximum LVR is 98%
More Information
Published by UniBank under the Consumer Data Right · Last updated 12 July 2026 · Product ID e043e768-d697-439b-a283-c7ac0b6a15e8 · View on CDR.gov.au · View Source Data (JSON)