Unity Bank home loan rates
Ranked by advertised rate, Unity Bank's lowest advertised rate we track is 6.24% advertised (6.29% comparison) on the Momentum Home Loan - variable, owner-occupier, P&I - 11th of 31 lenders we track. Rates as at 31 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.24% advertised (6.29% comparison) on the Momentum Home Loan - variable, owner-occupier, P&I; its lowest fixed home loan rate we track is 6.35% advertised (6.44% comparison) on the Fixed Rate Home Loan, 2-year term. Rates as at 31 Oct 2026.
We track 7 Unity Bank owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 31 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.24% on the Momentum Home Loan - variable, owner-occupier, P&I - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,690 a month (an arithmetic example, not a quote or an offer). Rates as at 31 Oct 2026.
Unity Bank since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
Unity Bank has changed 2 variable rates in its published data since:
- Advantage Home Loan with offset - owner-occupier, P&I6.19% → 6.44%(+25 bp)matches the cash rate move
- Momentum Home Loan - variable, owner-occupier, P&I5.99% → 6.24%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
Unity Bank products (7)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Momentum Home Loan - variable, owner-occupier, P&IUnity Bank | Variable | 6.24% | 6.29% | 60% | link |
Fixed Rate Home Loan, 2-year termUnity Bank | Fixed 2yr | 6.35% | 6.44% | — | link |
Advantage Home Loan with offset - owner-occupier, P&IUnity Bank | Variable | 6.44% | 6.49% | 95% | link |
Fixed Rate Home Loan, 1-year termUnity Bank | Fixed 1yr | 6.50% | 6.59% | — | link |
Fixed Rate Home Loan, 3-year termUnity Bank | Fixed 3yr | 6.50% | 6.59% | — | link |
Fixed Rate Home Loan, 4-year termUnity Bank | Fixed 4yr | 6.65% | 6.74% | — | link |
Fixed Rate Home Loan, 5-year termUnity Bank | Fixed 5yr | 6.65% | 6.74% | — | link |
Unity Bank recent rate changes
7 of Unity Bank's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Fixed Rate Home Loan, 2-year term6.50% → 6.35%(-15 bp)previous value last seen 15 Oct 2026
- Fixed Rate Home Loan, 3-year term6.15% → 6.50%(+35 bp)previous value last seen 5 Oct 2026
- Fixed Rate Home Loan, 1-year term6.20% → 6.50%(+30 bp)previous value last seen 5 Oct 2026
- Fixed Rate Home Loan, 4-year term6.35% → 6.65%(+30 bp)previous value last seen 5 Oct 2026
- Fixed Rate Home Loan, 5-year term6.35% → 6.65%(+30 bp)previous value last seen 5 Oct 2026
- Momentum Home Loan - variable, owner-occupier, P&I5.99% → 6.24%(+25 bp)previous value last seen 5 Oct 2026
- Advantage Home Loan with offset - owner-occupier, P&I6.19% → 6.44%(+25 bp)previous value last seen 5 Oct 2026
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