Bank Products – Billions Capital

Advantage Plus FHB Home Loan Fixed 3 Year

Enjoy all the benefits of our Advantage Plus Home Loan for First Home Buyers with special interest rates and much more. Lock in a rate for up to 5 years.

Category: Home Loans Last Updated October 14, 2024 Effective November 1, 2024

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Fixed 3 Years. 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
5.54% PA

Comparison Rate
6.82%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

Digital Banking

Notifications

Other Additional Information: Additional repayments accepted - maximum $10,000 per year

Other Additional Information: No monthly account keeping/service fees

Other Additional Information: Loan period up to 30 years

Other Additional Information: Flexible repayment options available

Redraw Additional Information: Redraw available

Other Additional Information: Ability to split loan

Other Additional Information: Lower interest rates compared to Advantage Home Loan

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: Borrower must satisify Advantage Plus Loan eligibility.

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

Establishment Fee - Home Loan Top Ups (Upfront), Amount: 300.00.

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.

Early Repayment Fee - Fixed Loans (Event), Amount: 0.00. Additional Information: Calculated using the ERF calculator

Establishment Fee - Fixed Rate Home Loans (Upfront), Amount: 300.00.

Rate Lock Fee (Event), Amount: 600.00.

Advantage Plus Annual Fee (Periodic), Amount: 299.00.

Limitations & Restrictions (Constraints)

Min Limit of 150000.00

Max Limit of Additional Information: 95% of the property value