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Our nurses. Our future. Caring for nurses strengthens economiesCelebrated on 12 May each year, International Nurses Day honours the dedication, resilience, and vital contributions of nurses around the world. It highlights the essential role they play in delivering compassionate care and promoting health equity across all communities.The date commemorates Florence Nightingale, whose pioneering work laid the foundation for modern nursing and established nursing as a respected and vital profession. Her legacy continues through this global celebration and recognition of nurses.The 2025 theme, "Our nurses. Our future. Caring for nurses strengthens economies," set by the International Council of Nurses, highlights the critical challenges nurses face, burnout, health concerns, and unsafe working conditions, which lead to workforce shortages and strain healthcare systems.International Nurses Day goes beyond appreciation, it's a call to invest in nursing education, ensure safe and supportive workplaces, and empower the profession. When we support nurses, we strengthen healthcare for everyone.The occasion will be marked with various events and tributes, but we encourage everyone to celebrate and support nurses not only on 12 May, but all year round. Their care saves lives, our recognition helps sustain theirs.Award-winning support for nurses As a member-focused, values-driven organisation, we are committed to the ongoing promotion and creation of mutual value, striving to make a positive impact for our members and the communities we are part of. Our Essential Worker Home Loan is a low interest, variable rate home loan specifically designed to recognise the contribution essential workers, like nurses, make to the community by supporting their home ownership journey with a value and feature packed product. Independently recognised as winner of the 2024 Finder Innovation Award in the Social Impact Innovation category and with three 2025 Mozo Experts Choice Awards, our Essential Worker Home Loan demonstrates our commitment to support those who support others.                                                It’s our way of saying ‘thank you’ to essential workers for the work they do in always serving our community.  

We have exciting news for you! Get ready to win one of 50 mega cash prizes in our exclusive prize draw. How to Enter: Simply use your Unity Bank Visa card and for every 30 eligible transactions between 28 April and 30 June 2025, and you'll automatically earn an entry into our mega prize draw. The more you use your Visa card, the greater your number of entries into the prize draw! Why Participate? Easy Entries: Each set of 30 transactions gives you one automatic entry. Multiple Chances: The more you use your card, the better your odds. Fantastic Prizes: 50 lucky winners will take home incredible cash prizes: 1 x AUD $100,000 2 x AUD $50,000 8 x AUD $10,000 10 x AUD $5,000 11 x AUD $1,000 18 x AUD $500 Don't miss out on this opportunity to win big. Start using your Unity Bank Visa card today and get those entries in!   The Promoter is Visa AP (Australia) Pty Ltd (ABN 20 134 885 564) Level 39, International Tower 2, 200 Barangaroo Avenue, Barangaroo NSW 2000 Australia. Some transactions excluded. T&Cs apply, see visa.com.au/promotions/cuscal-cash-tc.html AU res 18+ w/valid Visa debit card/credit card issued by participating financial institution & must not be opted out of participating financial institution’s marketing comms. Ends: 11:59pm AEST 30/6/25. Limit 1 entry p/30 transactions made w/Visa card & max 1 prize p/person (excl SA). Draw: L3/162 Collins St, Melbourne VIC 3000, 1pm AEST on 14/7/25. Prizes: 1x $100K, 2x $50K, 8x $10K, 10x $5K, 11x $1K & 18x $500. Winners published at visa.com.au/promotions/cuscal-cash-winners-2025.html from 18/07/25. Permits: NSW TP/04034, ACT TP25/00858, SA T25/651

Members are advised of an important change in how you make payments into your account due to recent industry changes. What’s changing? If you’re sending money into your account using Osko, you’ll now need to use: Our new BSB number (659 000), and your new Member Number or new Account Reference Number. These changes ensure your payments are processed quickly and correctly. Standard bank transfers are not affected by this change. However, we recommend using our new BSB and your new Member Number or New Account Reference Number for all transfers to ensure future compatibility and smoother processing. What do you need to do? Please update your payment details wherever you make or receive payments (such as saved payees, or third-party payment services) to reflect this new information. If you’re unsure of your new Member Number or new Account Reference Number, or you have any questions, our team is ready to help you on 1300 36 2000 or at mail@unitybank.com.au

Australians love investing in property and it’s easy to understand why. Property investment may offer both steady returns and tax benefits in the right conditions, without facing the same level of volatility as some other asset classes. If becoming a property investor appeals to you, there are a number of things to consider, including where to buy, what costs you’ll face, what your goals are and what sort of returns you’re seeking (capital growth vs. rental yield). Once you’ve answered those questions, there are several steps to take to secure your investment. Assess how much you can borrow To determine how much you can borrow, our lenders will look at your income, your deposit, your financial obligations, how much you spend and your credit report. Use our Borrowing Power Calculator to give you an idea of how much you may be able to borrow. It’s worth getting some guidance though – from one of our lenders or a financial adviser – to ensure the numbers are correct. Look into initial and ongoing costs While property investment may have tax benefits, there are also upfront and ongoing costs to consider. It’s important to factor in these costs to establish how much you’ll need to borrow or set aside. These include: Stamp duty Lenders Mortgage Insurance – To protect the lender, if you have a deposit of less than 20 per cent Legal fees Pest and building reports Land tax Strata fees Ongoing property maintenance costs Agency costs, if you plan to rent out the property Apply for loan pre-approval Once you’ve established how much you can safely borrow, you can seek pre-approval to finance your loan. Pre-approval means we have agreed – in principle – to lend you a certain amount of money to fund your investment purchase.  Find the right property for you Buyers often have an idea of what they’re looking for before they begin the search process, but once you know how much you can borrow, it can narrow the scope and help you search with more confidence. Everyone has their own criteria for what they’re seeking in an investment property, but buyers often look for low suburb vacancy rates, proximity to transport, schools and dining options, and strong suburb capital growth. Get the reports When you start getting serious about a property, it’s important to make sure there are no hidden flaws, such as pests or building defects. Obtaining reports from reputable inspectors – and getting a valuation of the property – can answer these questions and give you the information and peace of mind you’ll want before you make an offer. Make an offer If everything looks alright, you can proceed to making an offer to the agent. If your offer is accepted, it’s time to go back to our team to get the final loan approval. Settle on the property Our team will perform a valuation of the property. Then, before the property becomes your own, you usually have to engage lawyers or conveyancers to go through the contract and ensure everything lines up. Generally, they will negotiate a settlement period – which is the time during which your deposit and the loan funds are released to the seller in exchange for the Certificate of Sale, and the sale is finalised. After settlement, the property is handed from the seller to you. From that day, you’re a property investor. Read our Buying your home guide, it sets out home buying in three phases and defines key terms to eliminate confusing jargon.

Unity Bank had the opportunity to attend the MEU AGM from the 3rd to the 4th of April 2025. It was an extremely successful event with a variety of different organisations attending and representing their core business products and services.  Unity Bank conducted a random prize draw, with two prizes to be won.  Congratulations to our winners Brendan and Mitchell, who attended the conference and entered our competition! Brendan won a $300 BCF gift card and Mitchell won a $100 EFTPOS gift card! We hope you enjoy your prizes!! We would also like to thank everyone who attended the event and visited our Unity Bank stall.

Unity Bank had the opportunity to attend the ETU National Conference from the 31st of March to the 1st of April 2025. It was an extremely successful event with a variety of different organisations attending and representing their core business products and services.  Unity Bank conducted a random prize draw, with two prizes to be won.  Congratulations to our winner Matthew, who attended the conference and entered our competition! Matthew won a $500 EFTPOS gift card! We hope you enjoy your prize!! We would also like to thank everyone who attended the event and visited our Unity Bank stall.