Make your move and refinance with our Momentum Home Loan.
Owner Occupied | Principal & Interest | LVR<60% Special Offer*
If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed. You might be looking to consolidate your debts, unlock the equity in your home, or just be searching for a better deal. Make your move and refinance with our Momentum Home Loan.
We understand that refinancing your can seem daunting. That's why we developed this guide, Refinancing your home loan, to help you get started. By defining key terms to eliminate confusing jargon and providing additional information this guide will help you better understand the benefits of refinancing and help you switch home loans as easily as possible.
Special Offer: For a limited time, we have a number of home loan special offers* featuring a low interest rate and valuation fees waived up to $1000. It all adds up to simply great value.
| Balance | Principal & Interest | |
| Interest Rate | Comparison Rate | |
| Less than 60% LVR | 5.74% p.a. | 5.79% p.a. |
| Between 60 - 80% LVR | 5.84% p.a. | 5.89% p.a. |
| Greater than 80% LVR | 5.94% p.a. | 5.99% p.a. |
| Features | |
| Minimum Amount | $100,000 |
| Maximum LVR | 80% (dependant on loan purpose and security offered) |
| Maximum LVR with Lenders Mortgage Insurance | 95% (subject to approval)3 |
| Get Ahead Start Guarantor (borrow up to 100% LVR) | Yes |
| Maximum loan term | 30 years |
| Interest calculation | Calculated daily, charged monthly |
| Repayment type | Principal & Interest |
| Repayment frequency | Weekly, fortnightly or monthly |
| Establishment fee | $0 |
| Monthly loan fee | $0 |
| Package fee | $0 |
| Extra repayments | Unlimited |
| Interest offset | Yes |
| Redraw | Free4 |
| Pre-approval | Yes |
| Loan preparation fees | At cost |
| Increase/top up | Yes |
| Second mortgage security | Yes |
| Vacant land as sole security | Yes |
Whether you need help with budgeting, financing, or understanding the home buying process, we are here to help you with every step of the way and make informed decisions. Submit your enquiry now and take the first step towards your dream home.
"We were very pleased with the speed and personalised service we received from the team at Unity Bank in helping us purchase our first home. We also found their products to be very competitive. Unity Bank has more of a family feel to it than a corporation. We have already recommended them to others, as we are very happy with them."
Emanuel, Member
For more related frequently asked questions, visit our FAQs page.
3 Mortgage Insurance will be required if you borrow over 80% of the value of your home (or borrow an additional amount on your existing mortgage that brings the overall loan amount over 80% LVR).
4 Minimum redraw amount of $100 applies.
Eligibility criteria, terms & conditions and fees & charges apply. New refinance applications only. Not available for refinance of existing Unity Bank and G&C Mutual Bank loans.
*Special offer only available for new refinance applications. Not available for refinance of existing Unity Bank and G&C Mutual Bank loans. Offer may be amended or withdrawn at any time.
