Your Way Plus Fixed Home Loan
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.
- From (owner occupied)
- 6.39%
- 6.42% 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 | 6.39% | 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 |
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 |
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
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
Published by UniBank under the Consumer Data Right · Last updated 12 July 2026 · Product ID f9072fc0-dbb2-4098-836e-7fd1c5cac03a · View on CDR.gov.au · View Source Data (JSON)