RatesniffersRATESNIFFERS
LoginSign up
← All lenders
UniBank logo

UniBank Home Loan Rates

Active products
48
Lowest variable
6.09%
Lowest fixed
6.39%
Lowest comparison
6.13%
Last updated
28 July 2026

UniBank is one of the Australian home-loan lenders we track daily. We currently surface 48 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 is the lowest UniBank home loan rate?

The lowest UniBank variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 6.39% p.a. These figures come from the 48 UniBank products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does UniBank offer?

Ratesniffers currently tracks 48 UniBank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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 typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.09% p.a.6.13% p.a.98%
Variable Owner-occupier interest-only6.09% p.a.6.13% p.a.98%
Variable Owner-occupier interest-only6.09% p.a.6.13% p.a.100%
Variable Owner-occupier P&I6.09% p.a.6.13% p.a.100%
Variable Investor P&I6.34% p.a.6.38% p.a.98%
Variable Investor interest-only6.34% p.a.6.38% p.a.98%
Variable Investor interest-only6.34% p.a.6.38% p.a.100%
Variable Investor P&I6.34% p.a.6.38% p.a.100%
Fixed 2-year Investor P&I6.39% p.a.6.43% p.a.98%
Fixed 1-year Owner-occupier P&I6.39% p.a.6.43% p.a.100%
Fixed 2-year Investor P&I6.39% p.a.6.43% p.a.100%
Fixed 1-year Owner-occupier P&I6.39% p.a.6.43% p.a.100%

48 UniBank home loan products

UniBank logo
Your Way Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
More details

Negotiate UniBank rates with a broker

Advertised rates aren't always the rate UniBank actually approves. Our broker negotiates against your specific scenario, no fee.

Talk to a broker

Who is UniBank?

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 around $14 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 21 July 2026. Rates above refresh independently.

UniBank home loans: frequently asked questions

What is the lowest UniBank home loan rate?

UniBank's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 6.39% p.a., based on the 48 UniBank products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate UniBank approves, a broker can often negotiate a sharper deal on your scenario.

How does UniBank's home loan rate compare to the market?

UniBank's lowest variable home loan rate today is 6.09% p.a., which is in line with the market median of 6.09% p.a. 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 48 UniBank home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily 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 6.13% 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 28 July 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 rates by borrower and loan type

The same UniBank panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

Other lenders you might compare

Same purpose-built rate cards, different lender panels.

Mortgage guides and market context

Plain-English explainers, plus where rates sit across the market today.