Australian Unity Home Loans

Australian Unity is a member-owned financial services and healthcare company that was first formed in 1840 in Melbourne as the Manchester Unity International Order of Oddfellows in Victoria. In 1993, the company merged with Australian Natives’ Association and became Australian Unity.

The organisation is based in Melbourne, employs over 2000 staff and has over 300,000 members. Australian Unity provides a number of public services including health and dental insurance, assisted living and aged care services. They also offer financial products and services, issued through Big Sky Financial, such as banking and home loans, as well as investments, insurance and financial planning advice.

Australian Unity has won numerous awards for its financial and personal services.

Australian Unity home loan calculator  

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

Pros:
  • Package loans available.
  • No annual package fees.
  • Low rates.
Cons:
  • No branch access.
  • Limited loan options.
Australian Unity customer service:

Home loan customers at Australian Unity can contact the organisation via a number of methods. There is a specialised phone line and email contact for home loan customers, as well as a general customer enquiry line. Customers can also contact an affiliated home loan consultant via the Australian Unity website.

  • Customer service centre (phone)
  • Online banking
  • Email
  • Live chat
  • Mobile banking staff

Australian Unity home loans

Discounted Kickstarter Home Loan
Advertised rate
3.64%
Variable
Upfront fee
$600.00
Comparison rate*
3.67%
Ongoing fee
$0
Compare
Health, Wealth & Happiness Home Loan Fixed Special (Principal and Interest) 3 Years
Advertised rate
3.84%
Fixed - 3 years
Upfront fee
$600.00
Comparison rate*
3.99%
Ongoing fee
$0
Compare
Health, Wealth & Happiness Home Loan Fixed (Principal and Interest) 1 Year
Advertised rate
3.99%
Fixed - 1 year
Upfront fee
$600.00
Comparison rate*
4.02%
Ongoing fee
$0
Compare
Health, Wealth & Happiness Home Loan (Principal and Interest)
Advertised rate
3.99%
Variable
Upfront fee
$600.00
Comparison rate*
4.02%
Ongoing fee
$0
Compare
Health, Wealth & Happiness Home Loan Fixed (Principal and Interest) 5 Years
Advertised rate
4.40%
Fixed - 5 years
Upfront fee
$600.00
Comparison rate*
4.19%
Ongoing fee
$0
Compare
Health, Wealth & Happiness Package Home Loan Fixed (Principal and Interest) 3 Years
Advertised rate
3.79%
Fixed - 3 years
Upfront fee
$0
Comparison rate*
4.22%
Ongoing fee
$399 annually
Compare
Health, Wealth & Happiness Package Home Loan (Principal and Interest)
Advertised rate
3.84%
Variable
Upfront fee
$0
Comparison rate*
4.23%
Ongoing fee
$399 annually
Compare
Health, Wealth & Happiness Package Home Loan Fixed (Principal and Interest) 1 Year
Advertised rate
3.94%
Fixed - 1 year
Upfront fee
$0
Comparison rate*
4.24%
Ongoing fee
$399 annually
Compare
Wealth Builder Investment Loan (Principal and Interest)
Advertised rate
4.39%
Variable
Upfront fee
$600.00
Comparison rate*
4.42%
Ongoing fee
$0
Compare
Wealth Builder Investment Loan Fixed (Principal and Interest) 1 Year
Advertised rate
4.44%
Fixed - 1 year
Upfront fee
$600.00
Comparison rate*
4.43%
Ongoing fee
$0
Compare
Health, Wealth & Happiness Package Home Loan Fixed (Principal and Interest) 5 Years
Advertised rate
4.35%
Fixed - 5 years
Upfront fee
$0
Comparison rate*
4.44%
Ongoing fee
$399 annually
Compare
Wealth Builder Package Investment Loan (Principal and Interest)
Advertised rate
4.24%
Variable
Upfront fee
$0
Comparison rate*
4.62%
Ongoing fee
$399 annually
Compare
Wealth Builder Package Investment Loan Fixed (Principal and Interest) 1 Year
Advertised rate
4.39%
Fixed - 1 year
Upfront fee
$0
Comparison rate*
4.63%
Ongoing fee
$399 annually
Compare

How to Apply

Potential home loan customers at Australian Unity can apply for a loan by submitting a loan enquiry form via the Australian Unity website, after which time a home loan specialist will contact them at a preferred date and time. Customers can also make enquiries via email or by phone on the specialised home loan line. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Personal identification documents.
  • Proof of income – whether you are self-employed or work for an employer.
  • Proof of other earnings, assets and savings.
  • Details of debts, loans and liabilities.  
  • Personal insurance documents.
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