UniBank Classic Home Loan


Unibank’s Classic Home Loan is available for owner-occupiers only, so you will need to live in the own you are buying or refinancing, with a minimum deposit of at least 15 per cent.

The Classic Home Loan does not have an offset account however it does let you make additional repayments so you can get ahead on your loan.

It also includes a redraw facility so you can take out any extra repayments you might have made into the loan. You can also opt for a top-up of the loan, but this will cost you.

Should you ever have the need, you can pause repayments too. This is not a feature that’s available on all home loans, but one that comes in handy if finances need to be diverted elsewhere.

Who is the UniBank Classic Home Loan good for?

The Classic Home Loan is not for investors. It is however suitable for first home buyers, owner-occupiers, refinancers and those wanting to renovate their home.

Review - What RateCity says

The Classic Home Loan is a smart option for the owner-occupier. While it might not have all the bells and whistles offered by other banks, it does many of boxes of the few that matter including a reasonable interest rate.

Unibank also gives you a free redraw facility, a repayment pause option, no monthly fees and the option of unlimited repayments.

UniBank Classic Home Loan Options

Follow the below link for more information about the UniBank Classic Home Loan.

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  • Repayment pause.
  • Redraw facility.
  • No monthly fees.
  • No offset account.
  • Not for investors.
  • Upfront fees.

Must be an owner-occupier

Must meet Unibank’s serviceability criteria.

Suitable For
  • First Home Buyers
  • Owner-Occupiers
  • Refinancers
  • Investors
  • Estimated upfront fees: $930.00
  • Discharge fees: $75
  • Ongoing fees: $0

There are upfront fees for the Classic Home Loan, and a discharge fee at the end of the loan term. The good news is, there are no ongoing account keeping or bank fees in between.

  • Redraw facility
  • 100% offset account
  • Unlimited extra repayments
  • Weekly repayments
  • Fortnightly repayments
  • Monthly repayments
About UniBank

Unibank started life in 1964, providing financial products and services to employees, students and the families of people in the tertiary and post-secondary education sector.

Unibank is based in Western Australia and has limited branches in the state. You can however access their internet banking services and telephone banking.

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