Save up to $1,482^# a year

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 13th of January 2025 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 amount with a 0.25% discount. The calculation also includes waiving the $399 Annual Package 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.

1. 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 0.25% discount off the variable rate discounted off our published rates. Interest rate current as at 13 January 2025 and subject to change.
2. 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.
3. 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.