UniBank Home Loan Rates

Q: What is the monthly repayment on a $600,000 UniBank home loan?

For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,769 a month before fees. The selected source example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Use /calculators/repayment to model your own amount and term.

Q: How much do you need to earn for a $500,000 UniBank home loan?

There is no single salary requirement for a UniBank home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish UniBank's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.

Q: Is UniBank competitive for refinancing?

Compare UniBank's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.

Q: How often are UniBank's home loan rates updated?

Ratesniffers refreshes UniBank's home loan rates daily; this page was last updated 1 November 2026. Rates can change whenever UniBank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

UniBank lifted its variable home-loan rates by 0.25 percentage points from 8 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.

Tracked products

350

Variable product example

6.44%

Fixed product example

7.09%

A verified UniBank product example is Your Way Plus 3 Year Fixed Owner Occupied 80% - 90% LVR P&I: 7.09% p.a. (7.18% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 90%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

Variable example comparison

6.48%

Last updated

1 November 2026

UniBank is one of the Australian home-loan lenders we track daily. We currently surface 350 active products from UniBank, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.

What are UniBank home loan rates?

Ratesniffers compares UniBank home loan products by comparison rate. A verified UniBank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified UniBank product example is Your Way Plus 3 Year Fixed Owner Occupied 80% - 90% LVR P&I: 7.09% p.a. (7.18% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 90%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare UniBank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.

What is the lowest UniBank home loan rate?

A verified UniBank product example is Your Way Basic Home Loan 70% - 80% LVR Owner Occupied P&I: 6.44% p.a. (6.48% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. A verified UniBank product example is Your Way Plus 3 Year Fixed Owner Occupied 80% - 90% LVR P&I: 7.09% p.a. (7.18% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 80% to 90%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.

How many home loan products does UniBank offer?

Ratesniffers currently tracks 350 UniBank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 59 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.