Our home loan for members in Victoria who meet the eligibility criteria for the Victorian Homebuyer Fund.
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% | 6.18% | 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/L37_VIC_OO_PRIN- Content hash
sha256 4d9afa86e028e32dd9566a71dedf0ff8057d85b28a70d430950048133353963a- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_4d9afa86e028e32d_d37e30e1Show details
- Checked
- 1 Nov 2026
- URL
https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L37_VIC_OO_PRIN- Content hash
sha256 4d9afa86e028e32dd9566a71dedf0ff8057d85b28a70d430950048133353963a- 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 |
| TITLE_SEARCH_FEE | Upfront | Set in your letter of offer |
| REGISTRATION_FEES | Upfront | Set in your letter of offer |
| PEXA_SERVICE_FEE | 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 |
| LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(TOP_UP) | Upfront | $200.00 |
| RE-DOCUMENTATION_FEE | Event | $250.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| 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. | |
| 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 | Flexible repayment options weekly, fortnightly or monthly | |
| 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. | |
| 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: residency status | Permanent Resident | You must be an Australian citizen or permanent resident to apply |
| Eligibility: employment status | Employed | |
| Eligibility: other | Applications for credit are subject to the Bank?s eligibility and suitability criteria and normal credit approval process. | |
| Eligibility: other | Must reside in Victoria, purchasing principal place of residence and meet the Victorian Homebuyer Fund eligibility criteria to receive a financial contribution towards the purchase of a property (up to 25%) in exchange for a proportional interest (share). | |
| Limit: opening balance | 0.00 | |
| Limit: min balance | 950000.00 | |
| Limit: max lvr | 0.80 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 6.15% | 6.18% |
*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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