UniBank Home Loans

UniBank Home Loans

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Everything you need to know about a UniBank Home Loan

UniBank was originally called the University Staff Credit Society Limited when it was created in 1964 to provide financial products to members of the university community in Western Australia. It merged with Teachers Mutual Bank in 2015, at which point it changed its name from Unicredit to UniBank. This lender offers competitive home loan for those that work in the sector and also sets a high bar for social responsibility with a commitment to sustainability.

Key Benefits

  • Variety of home loan products
  • Convenient online access
  • Extra benefits and discounts for members

Drawbacks

  • Some loans have high fees
  • Loans limited to teachers and university staff
  • Only moderately competitive rates

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UniBank Home Loan Products Breakdown

My First Home Loan

  • 100% offset
  • Split loan
  • No monthly fees

An easy home loan to help first home buyers achieve their dream home

This is a full-featured home loan with a moderately competitive rate. You’ll get plenty of flexibility with free redraw, a 100% offset account, and you can choose to split your loan if you want the benefits of both a variable and a fixed rate. While not the most competitive rate, you’ll enjoy other ways to save, such as no ongoing monthly fees and up to 10% savings on a new home and contents insurance policy with Teachers Mutual Bank.

Classic Home Loan

  • Discount rate
  • No monthly fees
  • 24/7 onine banking

A low-rate home loan that keeps it simple.

This is a great home loan product if you want a simple loan with a great rate. It has a discounted standard variate rate, which you can enjoy for the life of the loan. There are no monthly fees and you can take advantage of a free redraw facility. And, of course, it comes with UniBank’s 24/7 online and mobile banking access.

Solutions Plus Home Loan

  • Discounts
  • No penalty for repayments
  • 24/7 onine banking

Enjoy discount rates for loan amounts over $150,000

With this loan, you can enjoy a discounted variable rate as well as all the features and benefits of UniBank’s reward’s package. These include free top up, a discount on your home and contents insurance policy, and no fees on your Everyday banking account. Great for first-time homebuyers, you can borrow up to 95% with lender’s mortgage insurance.

Flexi Choice Home Loan

  • 100% offset
  • No penalty for repayments
  • 24/7 online banking

Build or renovate your dream home with a great rate loan

If you want the freedom to pay down your loan at your pace with flexible repayments, a repayment pause when you are ahead on your mortgage, and no penalty for early repayment, UniBank’s Flexi Choice is a good option. It does have only a moderately competitive variable interest rate, but you’ll save with no ongoing fees and an optional 100% offset account.

Fixed Rate Home Loan

  • 100% offset
  • 90 day rate lock
  • 24/7 online banking

Enjoy knowing exactly how much you will be paying each month

Lock in a low rate with this Fixed Rate Home Loan and enjoy predictable mortgage repayments for your fixed term. You’ll also get UniBank’s convenient online access, a 100% offset account, and loan portability. You can secure your rate with a rate lock feature of up to 90 days from when you submit your application. Borrow up to 95% with lender’s mortgage insurance.

Interest Only Variable Home Loan

  • Interest only repayment
  • No settlement fee
  • 24/7 onine banking

A perfect choice for a new home with the choice of interest

UniBank Home Loan Products Comparison

 

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Estimated Refinancing Savings

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Competitive Interest Rates

Estimated Borrowing Power

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