---
title: "Your Way Plus Fixed 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/f9072fc0-dbb2-4098-836e-7fd1c5cac03a
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-05T22:55:30.000+10:00
---

# Your Way Plus Fixed 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**

Get flexibility for your home loan PLUS take advantage of our package benefits with special low rates and much more. Lock in a rate for up to 5 years.

## At a glance

- **From (owner occupied):** 6.39% (6.42% comparison)

## Apply

Applications are handled by the provider: [Apply at UniBank](https://www.unibank.com.au/home-loans/your-way-plus-home-loan)

## 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) | 6.39% | 6.42% | Fixed LVR up to 60% |
| 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) | 6.39% | 6.6% | Fixed LVR >60% to 80% |
| 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) | 6.44% | 6.46% | Fixed LVR up to 60% |
| 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) | 6.44% | 6.62% | Fixed LVR >60% to 80% |
| 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) | 6.54% | 6.52% | Fixed LVR up to 60% |
| 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) | 6.54% | 6.66% | Fixed LVR >60% to 80% |
| 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) | 6.59% | 6.89% | Fixed LVR >80% to 90% |
| 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) | 6.59% | 6.57% | Fixed LVR up to 60% |
| 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) | 6.59% | 6.7% | Fixed LVR >60% to 80% |
| 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) | 6.69% | 6.91% | Fixed LVR >80% to 90% |
| Fixed · 5 years (Fixed rate for 5 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) | 6.74% | 6.68% | Fixed LVR up to 60% |
| Fixed · 5 years (Fixed rate for 5 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) | 6.74% | 6.79% | Fixed LVR >60% to 80% |
| 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) | 6.79% | 6.94% | Fixed LVR >80% to 90% |
| 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) | 6.84% | 7.22% | Fixed >90% |
| 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) | 6.89% | 7.22% | Fixed >90% |
| 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) | 6.89% | 7% | Fixed LVR >80% to 90% |
| 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) | 6.89% | 7.21% | Fixed >90% |
| Fixed · 5 years (Fixed rate for 5 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) | 6.94% | 7.04% | Fixed LVR >80% to 90% |
| 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) | 6.99% | 7.25% | Fixed >90% |
| Fixed · 5 years (Fixed rate for 5 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) | 7.04% | 7.28% | Fixed >90% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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 |
| ACCOUNT_FUNCTIONS — $2.50 for each increment up to 3 minutes. Payable at the time the service is provided. | Event | $2.50 |
| DEFAULT_NOTICE_FEE — Payable when we send you a default notice asking you to remedy a default under your credit contract. | Event | $25.00 |
| 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 |
| PACKAGE_FEE-HOME_LOANS — Charged yearly · 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. | Ongoing | $300.00 |
| BREAK_FEE_(HOME_LOAN) — At cost. Payable on early repayment i.e. during the fixed rate period if you repay the loan in full, you repay part of the loan (except where additional payment threshold applies), you switch from this loan type to another loan type. At Cost. | Exit | $0.00 – $9,999,999.00 |
| FIXED_RATE_LOCK_FEE — Payable if you choose to lock in an interest rate on your fixed rate loan. The interest rate is locked in for a period of up to 90 days from the date of application. The fee is applicable regardless of whether the interest rate at time of settlement has increased or decreased since the date of application. 0.15% of the total amount financed. | Upfront | 0.15% of balance |
| 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 |
| 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 up to $10,000)
- **Ability to split loan**
- **Ability to switch loan**
- **Ability to Top Up**
- **Digital banking** (24/7 access via internet banking, mobile app, phone banking)
- **Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance**
- **Flexible repayments**
- **Discounted Variable rates for life of the loan**
- **Offset account** (PLUS 100% offset)
- **Discounts on other products** — Establishment, valuation and top up fees waived (PLUS establishment, valuation and top up fees waived)
- **Discounts on other products** — Personal loan application fees waived (PLUS personal loan application fees waived)
- **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.**
- **Borrower must have satisfied Your Way Plus Home Loan Package eligibility.**

## Constraints

- **Minimum limit** — $150,000.00
- **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-plus-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: `f9072fc0-dbb2-4098-836e-7fd1c5cac03a`
- Last updated by the provider: 5 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/unibank/f9072fc0-dbb2-4098-836e-7fd1c5cac03a
- 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/f9072fc0-dbb2-4098-836e-7fd1c5cac03a) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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