Variable Home Loan

A competitive variable rate combined with features like a 100% offset account.

At a glance

Owner occupied home loan rates
4.10% paVariable Interest rate                                         
4.14% paComparison rate*


Investment home loan rates
4.45% paVariable Interest rate (principal and interest)
4.49% paComparison rate*

How to apply

Credit products are offered by Unity Bank, with exclusive benefits available for the Mine Wealth + Wellbeing customers.

Applying for the Variable Home Loan also involves becoming a member of Unity Bank.

Variable Rate Home Loan application
Membership application

All applications are subject to approval, so before you get started, have details about your employment history, income and any other financial obligations ready.

Learn more

Want to know more? Read on for more details about this competitive home loan.

NameMine Wealth + Wellbeing Variable Home Loan
TypeVariable with offset
Loan amount
  • $30,000 – $2,500,000
  • Depending on Loan to Value Ratio, loan mortgage insurance may be required
Loan to Value Ratio (LVR) maximum
  • 95% owner occupied or investment purchases
  • 90% refinance
  • Loan Mortgage Insurance (LMI) required for LVRs above 80%. Some exceptions exist for particular locations.
Loan term5 - 30 years
Interest rate

Owner occupied home loan rates 

  • 4.10%pa variable rate
  • 4.14%pa comparison rate*

Investment home loan rates 

  • 4.45%pa variable rate (principal and interest)
  • 4.49%pa comparison rate*
Repayment structure
  • Principal and interest
Repayment methodsDirect debit or direct salary credit
Repayment frequencyWeekly, fortnightly or monthly
Application feeFree 
Rewards package fee $360pa
Monthly feeFree 
Early repayment feeFree 
  • No monthly fees
  • 100% offset account, interest applied to net balance (loan less offset)
  • Redraw
  • No annual fee on optional Low Rate Credit Card                       
  • Discounts on home and contents insurance
  • Optional insurance to cover repayments in the event of loss of income due to sickness or accident, underwritten by QBE Insurance^                  
StatementsSix monthly
Access to fundsInternet, phone or mobile banking  
AvailabilityMembership with Mine Wealth + Wellbeing and Unity Bank required to apply.

Owner occupier home loan rates 

  • 4.00%pa variable rate
  • 4.06%pa comparison rate*

Owner occupier home loan rates 

  • 4.00%pa variable rate
  • 4.06%pa comparison rate*

Rates and fees effective 1 July 2017 and subject to change. Eligibility criteria, terms and conditions, fees and charges apply.

*Comparison rates are calculated on a loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^Loan repayment insurance policies are issued by QBE Insurance (Australia) Limited and / or Integrity Life Australia Limited ABN 78 003 191 035 AFS Licence 239545. Before making a decision about your insurance needs please refer to the Product Disclosure Statement available from Unity Bank.

This is general information and isn't financial advice. It doesn't take into account your financial situation, needs or objectives. Lending products available through Mine Wealth + Wellbeing are offered and issued by Unity Bank Ltd ABN 11 087 650 315 Australian Credit Licence 240399.