Advantage Plus FHB Home Loan Standard Variable
Are you looking for your first home? Enjoy all the benefits from our Advantage Plus Home Loan with lower interest rates and waived fees.
Category: Home Loans Last Updated October 14, 2024 Effective November 1, 2024
General Lending Rates
Rates listed below are for a VARIABLE product. Additional Information 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
7.34% PA
7.34% PA
Comparison Rate
7.34%PA*
7.34%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: 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: 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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