Australian Unity home loan repayment calculator

Thinking about taking out a home loan with Australian Unity? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Australian Unity home loans compare with other options.

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated repayments

at interest rate 2.59 %

Total interest payable

$0

Total amount payable

$0

Pros and cons

  • Package loans available.
  • No annual package fees.
  • Low rates.
  • No branch access.
  • Limited loan options.

Australian Unity home loans rates

Product
Advertised Rate
Total estimated upfront fees
Comparison Rate*
Ongoing fee
Go to site
Company

2.59%

Variable

$600

2.62%

$0
Australian Unity
More details

2.24%

Fixed - 3 years

$600

2.77%

$0
Australian Unity
More details

2.24%

Fixed - 1 year

$600

2.88%

$0
Australian Unity
More details

2.39%

Fixed - 3 years

$600

2.92%

$0
Australian Unity
More details

2.90%

Variable

$600

2.93%

$0
Australian Unity
More details

2.99%

Fixed - 5 years

$600

2.97%

$0
Australian Unity
More details

2.09%

Fixed - 3 years

$0

3.01%

$0
Australian Unity
More details

2.39%

Fixed - 1 year

$600

3.03%

$0
Australian Unity
More details

2.99%

Fixed - 5 years

$600

3.06%

$0
Australian Unity
More details

3.05%

Variable

$600

3.08%

$0
Australian Unity
More details

2.09%

Fixed - 1 year

$0

3.11%

$0
Australian Unity
More details

2.24%

Fixed - 3 years

$0

3.15%

$0
Australian Unity
More details

2.60%

Fixed - 3 years

$600

3.15%

$0
Australian Unity
More details

2.75%

Variable

$0

3.17%

$0
Australian Unity
More details

2.84%

Fixed - 5 years

$0

3.21%

$0
Australian Unity
More details

2.70%

Fixed - 3 years

$600

3.25%

$0
Australian Unity
More details

2.24%

Fixed - 1 year

$0

3.26%

$0
Australian Unity
More details

2.60%

Fixed - 1 year

$600

3.26%

$0
Australian Unity
More details

2.84%

Fixed - 5 years

$0

3.29%

$0
Australian Unity
More details

2.90%

Variable

$0

3.32%

$0
Australian Unity
More details

3.29%

Variable

$600

3.32%

$0
Australian Unity
More details

3.30%

Fixed - 5 years

$600

3.33%

$0
Australian Unity
More details

2.70%

Fixed - 3 years

$600

3.36%

$0
Australian Unity
More details

2.70%

Fixed - 1 year

$600

3.36%

$0
Australian Unity
More details

2.45%

Fixed - 3 years

$0

3.38%

$399 annually
Australian Unity
More details

3.30%

Fixed - 5 years

$600

3.39%

$0
Australian Unity
More details

2.75%

Fixed - 3 years

$600

3.41%

$0
Australian Unity
More details

3.39%

Variable

$600

3.42%

$0
Australian Unity
More details

2.80%

Fixed - 3 years

$600

3.46%

$0
Australian Unity
More details

2.55%

Fixed - 3 years

$0

3.47%

$399 annually
Australian Unity
More details

2.45%

Fixed - 1 year

$0

3.49%

$399 annually
Australian Unity
More details

2.70%

Fixed - 1 year

$600

3.50%

$0
Australian Unity
More details

3.40%

Fixed - 5 years

$600

3.52%

$0
Australian Unity
More details

2.75%

Fixed - 1 year

$600

3.55%

$0
Australian Unity
More details

3.14%

Variable

$0

3.55%

$399 annually
Australian Unity
More details

3.15%

Fixed - 5 years

$0

3.55%

$399 annually
Australian Unity
More details

2.90%

Fixed - 3 years

$600

3.56%

$0
Australian Unity
More details

3.45%

Fixed - 5 years

$600

3.57%

$0
Australian Unity
More details

3.54%

Variable

$600

3.57%

$0
Australian Unity
More details

2.55%

Fixed - 3 years

$0

3.58%

$399 annually
Australian Unity
More details

3.40%

Fixed - 5 years

$600

3.58%

$0
Australian Unity
More details

2.55%

Fixed - 1 year

$0

3.59%

$399 annually
Australian Unity
More details

2.80%

Fixed - 1 year

$600

3.60%

$0
Australian Unity
More details

3.15%

Fixed - 5 years

$0

3.61%

$399 annually
Australian Unity
More details

3.59%

Variable

$600

3.62%

$0
Australian Unity
More details

2.60%

Fixed - 3 years

$0

3.63%

$399 annually
Australian Unity
More details

3.24%

Variable

$0

3.65%

$399 annually
Australian Unity
More details

3.45%

Fixed - 5 years

$600

3.66%

$0
Australian Unity
More details

3.64%

Variable

$600

3.67%

$0
Australian Unity
More details

2.65%

Fixed - 3 years

$0

3.68%

$399 annually
Australian Unity
More details

2.90%

Fixed - 1 year

$600

3.70%

$0
Australian Unity
More details

2.55%

Fixed - 1 year

$0

3.72%

$399 annually
Australian Unity
More details

3.25%

Fixed - 5 years

$0

3.74%

$399 annually
Australian Unity
More details

2.60%

Fixed - 1 year

$0

3.77%

$399 annually
Australian Unity
More details

2.75%

Fixed - 3 years

$0

3.77%

$399 annually
Australian Unity
More details

3.74%

Variable

$600

3.77%

$0
Australian Unity
More details

3.25%

Fixed - 5 years

$0

3.79%

$399 annually
Australian Unity
More details

3.30%

Fixed - 5 years

$0

3.79%

$399 annually
Australian Unity
More details

3.39%

Variable

$0

3.79%

$399 annually
Australian Unity
More details

3.76%

Variable

$600

3.79%

$0
Australian Unity
More details

2.65%

Fixed - 1 year

$0

3.81%

$399 annually
Australian Unity
More details

3.44%

Variable

$0

3.84%

$399 annually
Australian Unity
More details

3.81%

Variable

$600

3.84%

$0
Australian Unity
More details

3.30%

Fixed - 5 years

$0

3.87%

$399 annually
Australian Unity
More details

3.49%

Variable

$0

3.89%

$399 annually
Australian Unity
More details

2.75%

Fixed - 1 year

$0

3.91%

$399 annually
Australian Unity
More details

3.76%

Variable

$600

3.94%

$0
Australian Unity
More details

3.91%

Variable

$600

3.94%

$0
Australian Unity
More details

3.91%

Variable

$600

3.94%

$0
Australian Unity
More details

3.59%

Variable

$0

3.99%

$399 annually
Australian Unity
More details

3.76%

Variable

$0

4.15%

$399 annually
Australian Unity
More details

3.81%

Variable

$0

4.20%

$399 annually
Australian Unity
More details

3.91%

Variable

$0

4.30%

$399 annually
Australian Unity
More details

3.91%

Variable

$0

4.30%

$399 annually
Australian Unity
More details

4.51%

Variable

$600

4.54%

$0
Australian Unity
More details

4.56%

Variable

$600

4.59%

$0
Australian Unity
More details

4.66%

Variable

$600

4.69%

$0
Australian Unity
More details

4.66%

Variable

$600

4.69%

$0
Australian Unity
More details

4.51%

Variable

$0

4.88%

$399 annually
Australian Unity
More details

4.56%

Variable

$0

4.93%

$399 annually
Australian Unity
More details

4.66%

Variable

$0

5.03%

$399 annually
Australian Unity
More details

4.66%

Variable

$0

5.03%

$399 annually
Australian Unity
More details

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

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.

Learn more about Australian Unity

Mortgage Calculator, Property Value

An estimate of how much your desired property is worth. 

What does going guarantor' mean?

Going guarantor means a person offers up the equity in their home as security for your loan. This is a serious commitment which can have major repercussions if the person is not able to make their repayments and defaults on their loan. In this scenario, the bank will legally be able to the guarantor until the debt is settled.

Not everyone can be a guarantor. Lenders will generally only allow immediate family members to act as a guarantor but this can sometimes be stretched to include extended family depending on the circumstances.

Mortgage Calculator, Loan Purpose

This is what you will use the loan for – i.e. investment. 

Mortgage Calculator, Deposit

The proportion you have already saved to go towards your home. 

How does a redraw facility work?

A redraw facility attached to your loan allows you to borrow back any additional repayments that you have already paid on your loan. This can be a beneficial feature because, by paying down the principal with additional repayments, you will be charged less interest. However you will still be able to access the extra money when needed.

Savings over

Select a number of years to see how much money you can save with different home loans over time.

e.g. To see how much you could save in two years by switching mortgages,  set the slider to 2.

What do mortgage brokers do?

Mortgage brokers are finance professionals who help borrowers organise home loans with lenders. As such, they act as middlemen between borrowers and lenders.

While bank staff recommend home loan products only from their own employer, brokers are independent, so they can recommend products from a range of institutions.

Brokers need to be accredited with a particular lender to be able to work with that lender. A typical broker will be accredited with anywhere from 10 to 30 lenders – the big four banks, as well as a range of smaller banks, credit unions and non-bank lenders.

As a general rule, brokers don’t charge consumers for their services; instead, they receive commissions from lenders whenever they place a borrower with that institution.

Does each product always have the same rating?

No, the rating you see depends on a number of factors and can change as you tell us more about your loan profile and preferences. The reasons you may see a different rating:

  • Lenders have made changes. Our ratings show the relative competitiveness of all the products listed at a given time. As the listing change, so do the ratings.
  • You have updated you profile. If you increase your loan amount, the impact of different rates and fees will change which loans are the lowest cost for you.
  • You adjust your preferences. The more you search for flexible loan features, the more importance we assign to the Flexibility Score. You can also adjust your Flexibility Weighting yourself, which will recalculate the ratings with preference given to more flexible loans.

Mortgage Calculator, Repayments