Flexibly structure and manage your investment home loan with Your Way Home Loan
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.39% | 6.45% | Variable · investment · principal and interest · LVR 0%–60% | Certain occupations | CDR | 1 Nov 2026 |
| 6.49% | 6.56% | Variable · investment · principal and interest · LVR 0%–95% | Certain occupations | CDR | 1 Nov 2026 |
| 8.99% | 9.06% | Variable · investment · principal and interest · LVR 0%–95% | Certain occupations | CDR | 1 Nov 2026 |
| 6.44% | 6.50% | Variable · investment · principal and interest · LVR 60%–70% | Certain occupations | CDR | 1 Nov 2026 |
| 6.49% | 6.56% | Variable · investment · principal and interest · LVR 70%–80% | Certain occupations | CDR | 1 Nov 2026 |
| 6.99% | 7.06% | Variable · investment · principal and interest · LVR 80%–90% | Certain occupations | CDR | 1 Nov 2026 |
| 7.34% | 7.41% | Variable · investment · principal and interest · LVR 90%–98% | Certain occupations | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/ebd44c9a-7bd1-42d5-8775-00bcce87f207- Content hash
sha256 ce452a377fb60c35011a4eea5c3271c0f89cc2879fc7a3b7e7c0d3d3b3b8b861- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_ce452a377fb60c35_35f70d7aShow details
- Checked
- 1 Nov 2026
- URL
https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/ebd44c9a-7bd1-42d5-8775-00bcce87f207- Content hash
sha256 ce452a377fb60c35011a4eea5c3271c0f89cc2879fc7a3b7e7c0d3d3b3b8b861- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| ESTABLISHMENT_FEE | Upfront | $600.00 |
| MORTGAGE_DISCHARGE | Exit | $250.00 |
| ADDITIONAL_SECURITY_FEE | Event | $120.00 |
| DEFAULT_NOTICE_FEE | Event | $25.00 |
| LEGAL_FEES | Upfront | Set in your letter of offer |
| LENDERS_MORTGAGE_INSURANCE | Upfront | Set in your letter of offer |
| REGISTRATION_FEE | Upfront | Set in your letter of offer |
| TITLE_SEARCH | Transaction | $1.00 |
| COLLECTION_CHARGES | Other | Set in your letter of offer |
| STAMP_DUTY | Upfront | Set in your letter of offer |
| FEE_FOR_FULL_VALUATION | Upfront | Set in your letter of offer |
| LOAN_ADMINISTRATION_FEE | Upfront | $250.00 |
| LOAN_VARIATION_FEE | Event | $200.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Redraw available | |
| Extra repayments | Additional repayments available | |
| Other | Ability to split loan | |
| Other | Ability to switch in | |
| Other | Ability to Top Up | |
| Other | Borrow up to 90% of the property value prior to capitalisation of Lenders Mortgage Insurance | |
| Digital banking | 24/7 access via internet banking, mobile app, phone banking | |
| Other | Flexible repayments | |
| Guarantor | ||
| Eligibility: other | You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank. | |
| Eligibility: residency status | Individuals must be citizens of permanent residents of Australia. | |
| Eligibility: natural person | ||
| Eligibility: min age | 18 | |
| Eligibility: other | All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices. | |
| Limit: min limit | 25000.00 | |
| Limit: min lvr | 0.00 | |
| Limit: max lvr | 98.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.99% | 7.06% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.44% | 6.50% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.49% | 6.56% |
| Variable · investment · principal and interest · LVR 0%–60% | 1 Nov 2026 | Current | 6.39% | 6.45% |
| Variable · investment · principal and interest · LVR 90%–98% | 1 Nov 2026 | Current | 7.34% | 7.41% |
| Variable · investment · principal and interest · LVR 0%–95% | 1 Nov 2026 | Current | 6.49% | 6.56% |
| Variable · investment · principal and interest · LVR 0%–95% | 1 Nov 2026 | Current | 8.99% | 9.06% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
eligibility:occupation | Certain occupations | Shown in the row (the product name says it is for essential workers, police, defence force members, veterans or similar); ranking unchanged |
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