Momentum Home Loan 80LVR - Owner Occupier - Variable - P&I SO

Unity Bank

CDR official

If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed. Make your move and refinance with our Momentum Home Loan.

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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
6.44%	6.49%	Variable · owner occupied · principal and interest		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://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L23_80LVR_OCC_PRIN
Content hash: sha256 810c2c1927f5ade0d96ef05c86ee0bd9844a86fd744b7ec376a98dc157991802
Rule version: mapper@0.1.2

Consumer Data Right product dataev_cdr_810c2c1927f5ade0_400d5f39Show details

Checked: 1 Nov 2026
URL: https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L23_80LVR_OCC_PRIN
Content hash: sha256 810c2c1927f5ade0d96ef05c86ee0bd9844a86fd744b7ec376a98dc157991802
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
LOAN_SWITCH_FEE	Event	$200.00
VALUATION_FEE	Upfront	Set in your letter of offer
TITLE_SEARCH_FEE	Upfront	Set in your letter of offer
REGISTRATION_FEES	Upfront	Set in your letter of offer
STAMP_DUTY_(MORTGAGE)	Upfront	Set in your letter of offer
PEXA_SERVICE_FEE	Upfront	$0.00
LENDERS_MORTGAGE_INSURANCE	Upfront	$0.00
MORTGAGE_ADMINISTRATION_FEE	Event	$150.00
CONSENT_FEE	Event	$300.00
MORTGAGE_DISCHARGE_FEE	Exit	$300.00
MORTGAGE_DISCHARGE_-_REGISTRATION_FEE	Exit	$0.00
MORTGAGE_DISCHARGE_-_PEXA_SERVICE_FEE	Exit	Set in your letter of offer
LATE_PAYMENT_FEE	Event	$15.00
DEFAULT_NOTICE_FEE	Event	$50.00
SECURITY_GUARANTOR_FEE	Upfront	$200.00
LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP)	Upfront	$200.00
LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP)	Upfront	$200.00
RE-DOCUMENTATION_FEE	Event	$250.00

Features and eligibility

Item	Value	Details
Offset		A Momentum Offset Account can be linked to a Momentum Home Loan. The money you put in your linked Mortgage Offset Account reduces the balance on which the interest is charged on your home loan.
Redraw		Your loan comes with a repayment redraw facility. This gives you access to additional repayments if you re at least one full repayment ahead, you can redraw $100 or more. It s simple to redraw using our App or Online Banking.
Npp payid		Get faster payments between participating banks, anytime with Pay ID
Npp enabled
Other		30 years
Other		You can increase your loan amount throughout the life of the loan, subject to equity held in your property and our approval.
Other		Switching is a change to one or more aspects of your loan's terms and conditions, for example switching from a variable rate to a fixed rate or switching from Interest Only to Principal and Interest repayments.
Other		Splitting is when you divide one loan into two or more loan accounts, generally with different loan types, repayment types or interest rates.
Other		Lenders Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR). LMI is a one-off cost added to the total loan amount and is not a bank fee or an establishment fee.
Other		Flexible repayment options weekly, fortnightly or monthly
Extra repayments		You can make extra repayments or repay your loan in full at any time. Extra repayments may enable you to redraw funds, subject to conditions
Other		A guarantor supports the loan by providing us with an additional security such as their home. By providing a guarantee, we may lend to the borrower in situations where they may not have been able to secure the full amount of the loan they require.
Other		This loan can be used for the purposes of refinancing your owner occupier property from an another lender only, with the interest rate based on LVR tiers.
Other		Valuation fee waived up to $1,000.
Other		No establishment fee is charged.
Digital banking		24/7 access via internet banking and mobile app
Eligibility: natural person
Eligibility: min age	18	Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older
Eligibility: employment status	Employed
Eligibility: residency status	Permanent Resident	You must be an Australian citizen or permanent resident to apply
Eligibility: other		Applications for credit are subject to the Bank s eligibility and suitability criteria and normal credit approval process.
Eligibility: other		Only available for external refinancing purposes
Limit: opening balance	100000.00
Limit: max balance	5000000.00
Limit: min lvr	0.80
Limit: max lvr	0.95

Rate history

Rate	From	To	Rate p.a.	Comparison
Variable · owner occupied · principal and interest	1 Nov 2026	Current	6.44%	6.49%

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