--- title: "Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths — 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/L27_FIXINT1-5_OCC_PRINSO48 source: "CDR Compare" language: en-AU last_updated: 2026-07-27T09:15:21.000+10:00 --- # Fixed Rate Home Loan - Owner Occupier - P&I - 48 mths — 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** The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period. ## At a glance - **From (owner occupied):** 6.35% (6.44% 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 | | --- | --- | --- | --- | | Fixed · 4 years (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.) | 6.35% | 6.44% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(NEW) — A fee charged to set up a new home loan | Upfront | $500.00 | | LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(NEW) — A fee charged for consent to a subsequent new mortgage | Upfront | $400.00 | | FIXED_RATE_LOCK_FEE — A fee charged to guarantee the fixed interest rate quoted to you at loan approval for up to 90 days from the date of approval. The amount is $500.00 or 0.15% of the total fixed rate loan amount whichever is the higher. | Event | $500.00 | | 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 | | LENDERS_MORTGAGE_INSURANCE — Third party cost for insurance that protects the lender in the event that the borrower defaults on their home or investment loan | 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 | | 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 - **Redraw facility** (Your loan comes with a repayment redraw facility. This gives you access to additional repayments if you re 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** - **If the fixed interest rate changes between the disclosure date on your loan contract and the loan funding date, the applicable fixed interest rate on your loan will be the rate at the date of your loan funding - which could be a higher (or lower) rate. If you request we can rate lock your fixed interest rates prior to the loan being funded, for a non-refundable fee.** - **Extra repayments** (Extra repayments of up to $10,000 per annum) - **Flexible repayment options weekly, fortnightly or monthly** - **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.** - **Lenders Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR). LMI is a one-off cost added to the total loan amount and is not a bank fee or an establishment fee.** - **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 owner occupied property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial), personal needs, off the plan purchases and building/construction purposes.** - **At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product.** - **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) - **Available for Owner Occupiers only.** - **Applications for credit are subject to the Bank's eligibility and suitability criteria and normal credit approval process.** ## Constraints - **Opening balance** — $0.00 - **Maximum balance** — $5,000,000.00 - **Maximum LVR** — 95% (Maximum LVR for this product is 95% with LMI) ## More information from Unity Bank - [Overview](https://www.unity.bank/home-loans/buy-or-refinance/fixed-rate-home-loan/) - [Terms & conditions](https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/) - [Eligibility](https://www.unity.bank/home-loans/buy-or-refinance/fixed-rate-home-loan/) - [Fees & pricing](https://www.unity.bank/help/rates-fees/) ## Data provenance - Published by Unity Bank under the Consumer Data Right - Product ID: `L27_FIXINT1-5_OCC_PRINSO48` - Last updated by the provider: 26 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/unity-bank/L27_FIXINT1-5_OCC_PRINSO48 - 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/L27_FIXINT1-5_OCC_PRINSO48) — product data published by Australian data holders under the Consumer Data Right. 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