UniBank Solutions Plus Loan


The primary attraction of the UniBank Solutions Plus Loan is a discount off the variable rate, which makes it a slightly more competitive offering. 

You’ll also be offered discounts on insurance products, fee waivers on other Unibank products and a bonus savings rate on term deposits.

The variable rate will depend on how much you borrow, with the lowest rates going to the customers who borrow the most.

The Solutions Plus Loan includes an offset account, and allows extra repayments so you can reduce the amount of interest you pay and potentially pay off your loan faster.

It also includes a redraw facility which means you can access any extra repayments you make, should you need them at a later date.

The UniBank Solutions Plus Loan also allows you to take a repayment pause and top up the loan amount if you have a change in circumstances and need a reprieve from making your monthly repayments.

Who is the UniBank Solutions Plus Loan good for?

The Solutions Plus Loan is targeted at people who want to bundle their banking products with the one provider.

Review - What RateCity says

The UniBank Solutions Plus Loan offers a range of features, discounts and waivers. These perks all come at a price however with moderately high fees and a moderate interest rate.

This loan could appeal to existing customers of UniBank who like the service they provide and want to keep all their products under one roof but it is unlikely to satisfy the bargain hunters.

UniBank Solutions Plus Loan Options

With the Solutions Plus Loan you can borrow from $150,000, opt for a split loan, and pay off the principle and interest, or interest only.

Advertised rate
Comparison rate*
Monthly repayment
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Variable Rates from


Advertised rate


Comparison rate
  • Repayment pause.
  • Discount on the variable rate.
  • Discounts on other UniBank products.
  • Ongoing annual package fee.
  • Upfront fees.
  • Must be a Unibank member.

Must meet UniBank’s serviceability criteria.

Suitable For
  • First Home Buyers
  • Owner-Occupiers
  • Refinancers
  • Estimated upfront fees: $750.00
  • Discharge fees: $75
  • Ongoing fees: $200 annually

The UniBank Solutions Plus loan is heavy on fees with high upfront fees, an ongoing annual fee and a discharge fee at the end of your loan.

  • Redraw facility
  • 100% offset account
  • Unlimited extra repayments
  • Weekly repayments
  • Fortnightly repayments
  • Monthly repayments
  • Loan allows split interest rate
About UniBank

UniBank is a member-owned credit union that was established in 1964. Based in WA, it has a handful of branches but primarily exists online.

Customers can access their accounts 24/7 via internet or mobile banking. There is also a customer service phone line.

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