--- title: "Momentum Home Loan 60-80LVR - Property Investor - Variable - Interest Only — Unity Bank" description: "Home Loans from Unity Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/unity-bank/products/L23_60-80LVR_INV_INTOSO12 source: "CDR Compare" language: en-AU last_updated: 2026-07-14T10:28:09.000+10:00 --- # Momentum Home Loan 60-80LVR - Property Investor - Variable - Interest Only — Unity Bank > Home Loans from Unity Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans · UNITY BANK** Your lifestyle, family or financial situation may have changed since you purchased your property. Our Momentum Home Loan was designed to make refinancing from another financial institution easy. ## At a glance - **From (investment):** 6.45% (6.5% comparison) ## Apply Applications are handled by the provider: [Apply at Unity Bank](https://www.unity.bank/help/apply-online/apply-online/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Comparison rate based on $150,000 loan over 25 years. 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.) | 6.45% | 6.5% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | LOAN_SWITCH_FEE — A fee charged to switch your loan account from one type to another | Event | $200.00 | | VALUATION_FEE — A fee charged to cover the cost of obtaining a valuation report on your property or the property being purchased | Cash advance | $0.00 | | TITLE_SEARCH_FEE — A third party cost for a Title Search to determine any interests in a property | Cash advance | $0.00 | | REGISTRATION_FEES — A third party cost for registration of mortgage | Cash advance | $0.00 | | STAMP_DUTY_(MORTGAGE) — The tax charged on written documents and certain transactions imposed by the state government, such as mortgages and property transfers | Cash advance | $0.00 | | PEXA_SERVICE_FEE — A fee charged to cover third party costs associated with the establishment of your mortgage | Cash advance | $0.00 | | MORTGAGE_ADMINISTRATION_FEE — A fee charged if we are asked by you or your legal representative to make any of our loan documents available to you during the life of the loan | Event | $150.00 | | CONSENT_FEE — A fee charged for consent to subdivide, substitute, lease, cross-collateralise or any other matter where we need to reassess the loan in any way | Event | $300.00 | | MORTGAGE_DISCHARGE_FEE — A fee charged if you repay your loan and request us to discharge your mortgage, includes our costs and is in addition to any costs incurred by us from external parties | Exit | $300.00 | | MORTGAGE_DISCHARGE_-_REGISTRATION_FEE — A fee charged to cover third party costs associated with the discharge of your mortgage | Cash advance | $0.00 | | MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE — A fee charged to cover third party costs associated with the discharge of your mortgage | Cash advance | $0.00 | | LATE_PAYMENT_FEE — A fee charged when you don't make your minimum monthly payment, plus any overdue amount | Event | $15.00 | | DEFAULT_NOTICE_FEE — A fee charged if you default on your repayments and we issue a default notice | Event | $50.00 | | SECURITY_GUARANTOR_FEE — Payable if a guarantor is listed on the loan schedule. | Upfront | $200.00 | | LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP) — A fee charged to vary the value of an existing home loan | Upfront | $200.00 | | LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP) — A fee charged for consent to a subsequent mortgage to vary the value of an existing home loan | Upfront | $200.00 | | RE-DOCUMENTATION_FEE — A fee charged if you request to make a change such as include a Fixed Rate Lock fee after your Loan Offer & Contract documentation has been provided, but prior to loan settlement. | Event | $250.00 | ## Features - **Offset account** (A Momentum Offset Account can be linked to a Momentum Home Loan. The money you put in your linked Mortgage Offset Account reduces the balance on which the interest is charged on your home loan.) - **Redraw facility** (Your loan comes with a repayment redraw facility. This gives you access to additional repayments if you are at least one full repayment ahead, you can redraw $100 or more. It's simple to redraw using our App or Online Banking.) - **PayID** (Get faster payments between participating banks, anytime with Pay ID) - **Real-time payments (NPP)** - **30 years** - **You can increase your loan amount throughout the life of the loan, subject to equity held in your property and our approval.** - **Switching is a change to one or more aspects of your loan's terms and conditions, for example switching from a variable rate to a fixed rate or switching from Interest Only to Principal and Interest repayments.** - **Splitting is when you divide one loan into two or more loan accounts, generally with different loan types, repayment types or interest rates.** - **Interest Only - monthly due 1st day of each month** - **Extra repayments** (You can make extra repayments or repay your loan in full at any time. Extra repayments may enable you to redraw funds, subject to conditions) - **A guarantor supports the loan by providing us with an additional security such as their home. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to secure the full amount of the loan they require.** - **This loan can be used for the purposes of refinancing your investment property from an another lender only, with the interest rate based on LVR tiers.** - **Valuation fee waived up to $1,000.** - **No establishment fee is charged.** - **Digital banking** (24/7 access via internet banking and mobile app) ## Eligibility - **Individuals only** - **Minimum age** — 18 years (Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older) - **Employment status** — Employed - **Residency status** — Permanent Resident (You must be an Australian citizen or permanent resident to apply) - **Applications for credit are subject to the Bank's eligibility and suitability criteria and normal credit approval process.** - **Only available for external refinancing purposes** ## Constraints - **Opening balance** — $100,000.00 - **Maximum balance** — $5,000,000.00 - **Minimum LVR** — 60% - **Maximum LVR** — 80% ## More information from Unity Bank - [Overview](https://unity.bank/home-loans/invest-in-property/momentum-home-loan-property-investor/) - [Terms & conditions](https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/) - [Eligibility](https://unity.bank/home-loans/invest-in-property/momentum-home-loan-property-investor/) - [Fees & pricing](https://www.unity.bank/help/rates-fees/) ## Data provenance - Published by Unity Bank under the Consumer Data Right - Product ID: `L23_60-80LVR_INV_INTOSO12` - Last updated by the provider: 14 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/unity-bank/L23_60-80LVR_INV_INTOSO12 - Provider page: https://www.cdrcompare.au/brands/unity-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000182 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/unity-bank/products/L23_60-80LVR_INV_INTOSO12) — product data published by Australian data holders under the Consumer Data Right. 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