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?
UniBank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.99% p.a. and the lowest fixed rate currently 6.39% p.a., checked daily (last verified 11 Sept 2026). 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?
The lowest UniBank variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 59 UniBank products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
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.
UniBank home loan rates at a glance
Product type
Rate
Comparison rate
Max LVR
Variable Owner-occupier P&I
5.99% p.a.
6.03% p.a.
60%
Variable Owner-occupier P&I
6.19% p.a.
6.23% p.a.
70%
Variable Owner-occupier interest-only
6.24% p.a.
n/a
60%
Variable Owner-occupier interest-only
6.24% p.a.
n/a
60%
Variable Owner-occupier P&I
5.99% p.a.
6.27% p.a.
60%
Variable Investor P&I
6.24% p.a.
6.28% p.a.
60%
Variable Investor interest-only
6.34% p.a.
n/a
60%
Variable Investor interest-only
6.34% p.a.
n/a
60%
Variable Investor P&I
6.34% p.a.
6.38% p.a.
70%
Fixed 1-year Owner-occupier P&I
6.39% p.a.
6.31% p.a.
n/a
Fixed 1-year Owner-occupier P&I
6.39% p.a.
6.31% p.a.
60%
Variable Owner-occupier interest-only
6.29% p.a.
6.42% p.a.
98%
59 of 350 tracked UniBank home loan products
UniBankYour Way Basic Home Loan <60% LVR Owner Occupied P&I
*Important Information and Comparison Rate Warning
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.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
UniBank home loan repayment calculator
Pre-filled with UniBank's lowest advertised variable rate in the table above, 5.99% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
UniBank is the university-sector brand of Teachers Mutual Bank Ltd, one of Australia's larger customer-owned banking groups. Membership is open to staff, students and graduates of Australian universities and the research sector, and the group's May 2026 merger with Australian Mutual Bank lifted it to over $14.2 billion in assets.
It shares the group's banking licence and mutual structure with Teachers Mutual Bank, Firefighters Mutual Bank and Health Professionals Bank, with products priced for the university community.
Who suits a UniBank home loan?
UniBank tends to suit university and research-sector employees, and students building a banking history, who want customer-owned pricing from a group that understands academic employment patterns, including fixed-term contracts. Compare its rates against the wider market in the table above.
Background facts checked 3 September 2026. Rates above refresh independently.
UniBank fees, offset and limits at a glance
Application or establishment fee
$0
Discharge fee
$250
Settlement fee
$250
Additional valuation fee
$0
Rate lock fee
0.10% of loan amount
Loan portability
$200 security variation fee. At cost for discharge, title searches, registration and transfers
Offset account
100% offset available on up to 8 eligible linked offset accounts.…
Minimum offset balance
No min balance
Lenders mortgage insurer
Helia
Capitalising LMI
LMI can be capitalised to the loan
Maximum total lending
$5m total aggregate per borrower
Extra repayments on fixed
Your Way Fixed Home Loan, no additional repayments permitted.…
When the fixed rate is locked
Rate is locked for 90 days from application
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
UniBank home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.99% p.a., and the lowest fixed rate is 6.39% p.a., checked daily (last verified 11 Sept 2026). Compare UniBank against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a UniBank balance, use /calculators/extra-repayment.
What is the lowest UniBank home loan rate?
UniBank's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.39% p.a., based on the 59 UniBank products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate UniBank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 UniBank home loan?
At UniBank's lowest variable rate of 5.99% p.a., a $600,000 principal and interest loan over 30 years repays about $3,593 a month, and $500,000 about $2,995. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 UniBank home loan?
There is no single salary. Like every Australian lender, UniBank must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.99% p.a. is assessed at about 8.99% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does UniBank's home loan rate compare to the market?
UniBank's lowest variable home loan rate today is 5.99% p.a., which is 25 basis points below the market median of 6.24% p.a., which puts UniBank among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where UniBank sits right now rather than a fixed snapshot.
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 checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is UniBank competitive for refinancing?
It depends on your loan size and LVR. UniBank's lowest comparison rate is currently 6.03% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing UniBank against the sharpest available rate usually pays off.
How often are UniBank's home loan rates updated?
Ratesniffers refreshes UniBank's home loan rates daily; this page was last updated 11 Sept 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.
