Australian Government 5% Deposit Scheme

Unity Bank

CDR official

Our home loan for first home buyers with government assistance.

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
6.15%	6.20%	Variable · owner occupied · principal and interest	First home buyers	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/L25_HGS_OO_PRIN
Content hash: sha256 37f1e87932bd122f77eed87da629705055eb0ee7f59c9da67927217372064f54
Rule version: mapper@0.1.2

Consumer Data Right product dataev_cdr_37f1e87932bd122f_ad33e9f9Show details

Checked: 1 Nov 2026
URL: https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L25_HGS_OO_PRIN
Content hash: sha256 37f1e87932bd122f77eed87da629705055eb0ee7f59c9da67927217372064f54
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
LOAN_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(TOP_UP)	Upfront	$200.00
SECURITY_GUARANTOR_FEE	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 Mortgage Offset Account can be linked to your 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 are 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		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		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		Valuation fee waived up to $1,000.
Other		No establishment fee is charged.
Digital banking		24/7 access via internet banking and mobile app
Other		You can increase your loan amount throughout the life of the loan, subject to equity held in your property and our approval.
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		As per Australian Government 5% Deposit Scheme property caps
Eligibility: other		Purchase or refinance for First Home Buyer Owner Occupiers only
Eligibility: other		This loan is used in conjunction with the Australian Government 5% Deposit Scheme. Housing Australia provides a guarantee that will allow eligible first home buyers (and other eligible borrowers) to purchase a home with a deposit of as little as 2%, without needing to pay for Lenders Mortgage Insurance (LMI) or rely on a guarantor.
Limit: opening balance	0.00
Limit: max balance
Limit: max lvr	0.95
Limit: max lvr	0.98

Rate history

Rate	From	To	Rate p.a.	Comparison
Variable · owner occupied · principal and interest	1 Nov 2026	Current	6.15%	6.20%

Tag	Meaning	Effect
`eligibility:first-home-buyer`	First home buyers	Filter; shown in the row

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