Banking

Save up to $1,224^# a year

With mates’ rates + $1,000 cash back

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Friends & family offers

As a friend of an Australian Unity customer, you can access special perks on your home loan. Simply give us the full name of the person who referred you when you call to unlock a whole host of offers.

Enjoy these home loan perks

$1,000 cash back*

Deposited into your account when your new loan settles. Limited time only.

Discounted rates

Get a 0.15% discount on our home loan packages so you can access owner occupier rates from as low as 6.03% p.a.¹

Waived annual package fee

That’s a saving of $399 every year.

Waived LMI

You could save $6,000^{^} in waived Lenders Mortgage Insurance when you borrow up to 85% of the value of the property²

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Other product benefits and features

Min 15% deposit

Borrow up to 85% of the value of your property.²

Save interest with a 100% offset account

Pay off your home loan sooner by linking your offset account to your home loan. Your offset account balance is 100% offset against the amount owing on your home loan, reducing the amount of interest charged.

Free self-serve redraw

Pull out money whenever you need from available funds if you are ahead of payments. (Minimum redraw amount is $500, applies to variable interest loans only)

Fees waived

No fee to switch between fixed and variable rates (normally $249)
No Loan Top Up Fee (normally $299).

Flexible repayments

Choose Weekly, fortnightly or monthly repayments.

Things to know

Principal + interest loans only
Min $250,000 loan amount

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Bank better with Australian Unity

Focused on Wellbeing

We help customers support the health and wellbeing of their family by creating products that help them save on health insurance and the tools to improve their financial control.

Flexible

Our banking products give you the flexibility to change as your life does. Options like applying to see if you can pause your home loan repayments due to a life event or paying using your phone.

Positive Impact

As a social enterprise we focus on our customers, members and the community. For you, this looks like personalised service and competitive rates. Find out about our positive impact on the community.

Experience

We’ve been helping people with their banking solutions for over 30 years and the Australian Unity Group has been around for 180 years so we’ll be able to help you with your banking needs.

Important information

Fees, charges and lending criteria apply for all loans and credit cards. Please refer to terms and conditions before applying for any product.

Terms & Conditions

Banking products are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994, 271 Spring St, Melbourne, Victoria 3000. Australian Unity Bank Limited is wholly owned subsidiary of Australian Unity Limited.

Fees, charges and lending criteria apply. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. Before acquiring any product you should read the relevant Terms and Conditions any Product Disclosure Statement (if applicable), Financial Services Guide and Credit Guide – available here. Our Target Market Determinations are available here.

Information is correct as at 9th October 2024 and is subject to change. Australian Unity reserves the right to offer rates, fees and charges that differ from those currently promoted on the website or advertised.

^# Based on an average $550K loan with a 0.15% discount. The calculation also includes waiving the annual fee.

^*The $1,000 cash back offer applies to new loans with new security only and is a one-off payment only, is not transferable and is payable into the customer's Australian Unity transaction account upon settlement of the eligible loan. Loans must be approved and settled to quality for the offer. Standard lending criteria, fees & charges, terms and conditions apply. The cash back payment of $1,000 does not affect the cost of the loan in any way. Minimum loan amount $250K. Australian Unity reserves the right to amend or discontinue the offer at any time.

^{^}Based on $100K deposit on a $650K home with an 84.62% LVR and an average loan size of $550K.

Available for new loans with new security only. Rate shown is the interest rate and comparison rate for the Health Wealth Happiness package, Principle & Interest with an LVR of <70% and includes a 0.15% discount off the variable rate discounted off our published rates. Interest rate current as at 9th October 2024 and subject to change.
Offer not available for construction loans and is subject to approval and available only to Australian Unity permanent full-time and part-time employees (including fixed term employees). Australian Unity reserves the right to amend or discontinue the offer at any time. Standard lending criteria, fees, charges, terms and conditions apply.
Terms and Conditions of Friends & Family Referral Program: Offer applies to existing Australian Unity customers, staff and partners who refer new customers who take out new loans with a new security only and does not apply to construction loans. The referrer and the referred friend must not be the same person. The $500 payment is a one-off payment only, is not transferable and is payable into the referrer’s nominated bank account upon settlement of the eligible referred loan. Australian Unity reserves the right to amend or discontinue the friends and family offer at any time. Loans must be approved and settled to qualify for the offer, the referrer will not be notified of the outcome of the credit application. Lending criteria, fees and charges, terms and conditions apply, further details can be obtained by speaking to our banking team. This referral payment does not affect the loan in any way.

Save up to $1,224# a year