UniBank · Offset · Updated November 2026

UniBank Offset Account Home Loans, November 2026

UniBank lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.19% p.a. (comparison rate 6.47% p.a.), on Your Way Plus Owner Occupied <60% LVR P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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UniBank offset home loan rates, November 2026

UniBankYour Way Plus Owner Occupied <60% LVR P&I

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.47%p.a.

Est. repayment

$3,059

LVR ≤60%

Enquire

UniBankYour Way Plus Owner Occupied <60% LVR P&I

VariableOffsetRedraw

Interest

6.19%p.a.

Comparison*

6.47%p.a.

Est. repayment

$3,059

LVR ≤60%

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied <60% LVR P&I

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.49%p.a.

Est. repayment

$3,124

LVR ≤60%

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied <60% LVR P&I

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.49%p.a.

Est. repayment

$3,124

LVR ≤60%

Enquire

UniBankYour Way Plus Owner Occupied <60% LVR IO

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. interest only / month

$2,704

LVR ≤60%

Based on a $500,000 balance

Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UniBankYour Way Plus Owner Occupied <60% LVR IO

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. interest only / month

$2,704

LVR ≤60%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus Investment <60% LVR IO

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR ≤60%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus Investment <60% LVR IO

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR ≤60%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied <60% LVR IO

1y FixedOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

LVR ≤60%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied 60% - 70% LVR IO

1y FixedOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

LVR 60 to 70%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR IO

1y FixedOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

LVR 70 to 80%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied <60% LVR IO

1y FixedOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

LVR ≤60%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied 60% - 70% LVR IO

1y FixedOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

LVR 60 to 70%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR IO

1y FixedOffsetRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. interest only / month

$2,767

LVR 70 to 80%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus Investment 60% - 70% LVR IO

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. interest only / month

$2,788

LVR 60 to 70%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus Owner Occupied 60% - 70% LVR IO

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. interest only / month

$2,788

LVR 60 to 70%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus Investment 60% - 70% LVR IO

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. interest only / month

$2,788

LVR 60 to 70%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus Owner Occupied 60% - 70% LVR IO

VariableOffsetRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. interest only / month

$2,788

LVR 60 to 70%

Based on a $500,000 balance

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied >90% LVR P&I (5% Deposit Scheme)

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.71%p.a.

Est. repayment

$3,124

LVR 90 to 98%

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied 60% - 70% LVR P&I

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.71%p.a.

Est. repayment

$3,124

LVR 60 to 70%

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR P&I

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.71%p.a.

Est. repayment

$3,124

LVR 70 to 80%

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied >90% LVR P&I (5% Deposit Scheme)

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.71%p.a.

Est. repayment

$3,124

LVR 90 to 98%

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied 60% - 70% LVR P&I

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.71%p.a.

Est. repayment

$3,124

LVR 60 to 70%

Enquire

UniBankYour Way Plus 1 Year Fixed Owner Occupied 70% - 80% LVR P&I

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.71%p.a.

Est. repayment

$3,124

LVR 70 to 80%

Enquire

*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 · Offset

UniBank offset home loans, what to weigh

100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.