BREAKING NEWS: RBA holds cash rate at 4.35% in May 2024Learn more
RateCity.com.au
  1. Home
  2. Home Loans
  3. UniBank
  4. Your Way Fixed Home Loan

Your Way Fixed Home Loan

  • Owner Occupied
  • Fixed 1 year
  • 10% min deposit
  • P&I

Interest rate p.a.

6.54%

Comparison rate* p.a.

6.33%

Your Way Fixed Home Loan

  • Owner Occupied
  • Fixed 1 year
  • 10% min deposit
  • P&I

Interest rate p.a.

6.54%

Comparison rate* p.a.

6.33%

UniBank Fixed - 1 year Rate Home Loan overview

For Your Way Fixed Home Loan (Principal and Interest) 1 Year

Principal & Interest (P&I)

Loan type

Loan to value ratio

Interest rate

Comparison rate

Fixed - 1 year

Up to 90%

6.54% p.a

6.33% p.a

Product info

Fixed - 3 years

Up to 90%

6.39% p.a

6.35% p.a

Product info

Fixed - 2 years

Up to 90%

6.49% p.a

6.35% p.a

Product info

Fixed - 4 years

Up to 90%

6.59% p.a

6.43% p.a

Product info

Fixed - 5 years

Up to 90%

6.69% p.a

6.50% p.a

Product info

Interest only

Loan type

Loan to value ratio

Interest rate

Comparison rate

Fixed - 1 year

Up to 90%

6.94% p.a

6.37% p.a

Product info

Fixed - 2 years

Up to 90%

6.89% p.a

6.43% p.a

Product info

Fixed - 3 years

Up to 90%

6.79% p.a

6.46% p.a

Product info

Fixed - 4 years

Up to 90%

6.99% p.a

6.57% p.a

Product info

Fixed - 5 years

Up to 90%

7.09% p.a

6.67% p.a

Product info

Details

Maximum LVR

90%

Total repayments
Interest rate type

Fixed - 1 year

Borrowing range

$150k - $5m

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Repayment type

Principal and Interest

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Repayment options

Fortnightly, Monthly, Weekly

Target Market Determination

Visit UniBank to view Target Market Determination.

Features

Extra repayments

Unlimited

Redraw facility

Redraw fee: $0

Offset account

Split interest facility

Loan portability

Repayment holiday available

Allow guarantors

Available for first home buyers

Other benefits

Fees

Total estimated upfront fees

$1.1k

Application fee

$600

Legal fee

$0

Valuation fee

$0

Settlement fee

$250

Other upfront fee

$250

Ongoing fee

$0

Discharge fee

$210

Other Restrictions

LVR >95% Only Available for First Home Loan Deposit Scheme

Pros and Cons

For Your Way Fixed Home Loan

Benefits

  • Interest rates ranked in the best 20%
  • No ongoing fees
  • Parents can sign as guarantor
  • Extra repayments and redraw facility
  • Free redraw facility
  • Split account option

Drawbacks

  • No offset account
  • Loan reverts to higher rate after fixed period
  • Higher than average upfront fee
  • Discharge fee at end of loan

How to apply

If you'd like to apply for this home loan or just get more information, follow the application process to speak to an UniBank mortgage specialist.
Home loans

Looking for more UniBank products?

Take a look

FAQs