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Classic Home Loan

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • Extra low interest rate for refinancers
  • No ongoing fees
  • Parents can sign as guarantor
  • Extra repayments + redraw services
Cons:
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
85%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$150k - $5mCalculate how much you can borrow »
Total repayments
Total repayments
$581,904View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$750
Application fee
Application fee$600
Settlement fee
Settlement fee$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$75
Maximum LVR
Maximum LVR
85%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$150k - $5mCalculate how much you can borrow »
Total repayments
Total repayments
$581,904View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$750
Application fee
Application fee$600
Settlement fee
Settlement fee$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee$75

UniBank is a customer-owned institution, which merged with Teachers Mutual Bank in 2015.

UniBank’s predecessor, Uniredit, opened its doors in 1964 in Western Australia. While it was originally established to service University of WA employees, it now offers loans and other financial services to all Western Australian residents. Its product range includes savings accounts, investment and personal loans, home loans, financial planning services and insurance services.

UniBank’s customers are also its shareholders and have a say in how it is run.

UniBank Home Loan Calculator
Interested in an UniBank home loan? RateCity has a suite of calculators that can show you what your repayments would be and how UniBank compares to its competitors. Simply plug in your borrowing amount below. 

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