Fixed Rate Home Loan - Owner Occupier - I/O - 12 mths

Unity Bank

CDR official

The security of a fixed rate, providing you with the certainty of knowing your repayments won't change during the fixed rate period.

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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
6.65%	6.74%	Fixed · 1 year · owner occupied · interest only		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/L27_FIXIO1-5_OCC_INTVSO12
Content hash: sha256 95335789fae50df472a61139c7114c6f61f78f4e7413e6fdcf557c51738c67e1
Rule version: mapper@0.1.2

Consumer Data Right product dataev_cdr_95335789fae50df4_9285a6f2Show details

Checked: 1 Nov 2026
URL: https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L27_FIXIO1-5_OCC_INTVSO12
Content hash: sha256 95335789fae50df472a61139c7114c6f61f78f4e7413e6fdcf557c51738c67e1
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_ESTABLISHMENT_FEE_-_MORTGAGE_LOAN_(NEW)	Upfront	$500.00
LOAN_ESTABLISHMENT_FEE_-_SECOND_MORTGAGE_LOAN_(NEW)	Upfront	$400.00
FIXED_RATE_LOCK_FEE	Event	$500.00
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
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		If the fixed interest rate changes between the disclosure date on your loan contract and the loan funding date, the applicable fixed interest rate on your loan will be the rate at the date of your loan funding - which could be a higher (or lower) rate. If you request we can rate lock your fixed interest rates prior to the loan being funded, for a non-refundable fee.
Extra repayments		Extra repayments of up to $10,000 per annum
Other		Interest Only - monthly due 1st day of each month
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		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 owner occupied property purchases, refinancing your existing home loan, purchasing of vacant land (non-commercial), personal needs, off the plan purchases and building/construction purposes.
Other		At the end of the fixed rate period the loan will continue as a fixed rate loan for the same period, unless you choose a different fixed rate period or a variable rate product.
Other		Maximum LVR for this product is 95% with LMI
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		Available for Owner Occupiers only.
Eligibility: other		Applications for credit are subject to the Bank's eligibility and suitability criteria and normal credit approval process.
Limit: opening balance	0.00
Limit: max balance	5000000.00
Limit: max lvr	0.95

Rate history

Rate	From	To	Rate p.a.	Comparison
Fixed · 1 year · owner occupied · interest only	1 Nov 2026	Current	6.65%	6.74%

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