Advantage Plus FHB Home Loan - LVR 90 or more
Enjoy all the benefits from our Advantage Plus home loan for First Home Buyers with special low interest rates and much more.
Category: Home Loans Last Updated March 31, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information LVR Above 90%. Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Interest Rate
5.99% PA
5.99% PA
Comparison Rate
5.99%PA*
5.99%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Features
- Redraw
- Digital Banking
- Notifications
- Other Additional Information: Flexible repayments options available
- Other Additional Information: Ability to make additional repayments
- Other Additional Information: Ability to Top Up
- Other Additional Information: No monthly account keeping/service fees
- Other Additional Information: Loan period up to 30 years
- Other Additional Information: Ability to split loan
- Offset
Product Eligibility
- Min Age - 18.
- Residency Status - Australian Citizen Or Permanent Resident.
- Other Additional Information: As a Customer Owned Bank, customers must become a shareholder of Unity Bank to open an account.
- Other Additional Information: Credit eligibility criteria, terms and conditions, fees and charges apply.
- Other Additional Information: LVR >90%
- Other Additional Information: First Home Buyer
Bank Fees and Charges
- Arrears Management Expense (Event), Amount: 20.00.
- Copies Of Previous Statements (Event), Amount: 2.50.
- Frequent Statement Fee (Periodic), Amount: 2.00.
- Consent To Subdivision (Event), Amount: 250.00. Additional Information: Valuation, Legal and Government fees are additional
- Consent To Subdivision - Valuation, Government And Legal Fees (Event), Amount: 0.00.
- Discharge Of Mortgage - Government And Legal Fees (Event), Amount: 0.00.
- Discharge Of Mortgage - Preparation Processing Fee (Event), Amount: 300.00. Additional Information: Legal and Government fees are additional
- Mortgage Loan - Legal & Valuation Fees (Upfront), Amount: 0.00. Additional Information: Other fees and charges may apply and will be specified at the time the loan is approved.
- Progressive Drawing Fee (Upfront), Amount: 250.00.
- Registration Of Title/dealings (Event), Amount: 150.00. Additional Information: Legal and Government fees are additional
- Registration Of Title/dealings - Government And Legal Fees (Event), Amount: 0.00.
- Settlement Fee (Event), Amount: 200.00.
- Substitution Of Security - Government And Legal Fees (Event), Amount: 0.00.
- Substitution Of Security - Processing Fee (Event), Amount: 250.00. Additional Information: Legal and Government fees are additional
- Title Search (Event), Amount: 0.00.
- Variation Fee - Loan Type (Event), Amount: 150.00.
- Variation Fee - Renewing Expired (Event), Amount: 150.00.
- Variation Fee - Switching Variable To Fixed Rate (Event), Amount: 300.00.
- Variation Fee - Term Of Loan (Event), Amount: 150.00.
- Advantage Plus Annual Fee (Periodic), Amount: 299.00.
Limitations & Restrictions (Constraints)
- Min Limit of 150000.00
- Max Limit of Additional Information: 95% of property value
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