Interest Rates - Unity Bank

Interest Rates

as at 26 June 2023

Reliance Bank is a division of Unity Bank Limited. ABN 11 087 650 315 AFSL/ Australian Credit Licence 240399.

Owner Occupied Home Loans

Advantage1

Variable rate (LVR of 60% and below)a Variable rate (LVR from 60% to 80%)a Variable rate (LVR from 80% to 90%)a Variable rate (Above 90% LVR)a Variable Standard Variable Bridging Loan Fixed 1 Yearc Fixed 2 Yearsc Fixed 3 Yearsc Fixed 5 Yearsc

Advantage Plus2

Variable rate (LVR of 60% and below)a Variable rate (LVR from 60% to 80%)a Variable rate (LVR from 80% to 90%)a

P&I Rate

Comparison Rate

5.84% 5.99% 6.74% 7.14% 7.99%

N/A 6.09% 6.29% 6.39% 6.64%

5.91%b 6.06%b 6.81%b 7.21%b 8.06%b

N/A 7.88%b 7.73%b 7.61%b 7.47%b

5.74% 5.89% 6.64%

6.06%b 6.21%b 6.96%b

IO Rate

5.84% 5.99% 6.74% 7.14%

N/A 7.99% 6.09% 6.29% 6.39% 6.64%

5.74% 5.89% 6.64%

Comparison

1.

Only available for new home loans, refinances from competitors or for

Rate

existing home loan members who

add an additional minimum $10,000

to their existing Unity Bank home

7.12%b

loan balance. Minimum loan amount $10,000. Existing home loan members

7.19%b

do not need to add an additional $10,000 to switch to a new fixed

7.51%b

loan. Maximum loan period 30 years. Interest rate calculated daily charged

7.68%b

monthly.

N/A 8.10%b 7.88%b 7.73%b 7.61%b 7.48%b

2.Only available for new home loans, refinances from competitors or for existing home loan members who add an additional minimum $10,000 to their existing Unity Bank home loan balance. Minimum loan amount $150,000. Existing home loan members do not need to add an additional $10,000 to switch to a new fixed loan. Maximum loan period 30 years. Interest rate calculated daily charged monthly.

6.75%b 6.81%b 7.13%b

3.Only available for First Home Buyers. Minimum home loan balance $150,000. Not available for top-ups or internal product switches. Maximum loan period 30 years. Interest rate calculated daily charged monthly.

Variable rate (Above 90% LVR)a

7.04%

Variable Standard

6.99%

Fixed 1 Yeard

5.94%

Fixed 2 Yearsd

6.14%

Fixed 3 Yearsd

6.24%

Fixed 5 Yearsd

6.49%

First Home Buyer Advantage Plus3

Variable rate (LVR of 60% and below)a

5.49%

Variable rate (LVR from 60% to 80%)a

5.64%

Variable rate (LVR from 80% to 90%)a

5.64%

Variable rate (Above 90% LVR)a

5.64%

Variable Standard

6.74%

Fixed 1 Yeare

5.69%

7.35%b 7.30%b 7.19%b 7.13%b 7.08%b 7.08%b

5.49%b 5.64%b 5.64%b 5.64%b 6.74%b 6.63%b

7.04% N/A

5.94% 6.14% 6.24% 6.49%

5.49% 5.64% 5.64% 5.64%

N/A 5.69%

7.31%b N/A

7.19%b 7.12%b 7.08%b 7.06%b

6.21%b 6.28%b 6.28%b 6.28%b

N/A 6.63%b

4. This rate is for secured loans only. Minimum loan amount is $30,000. Maximum loan is 80% of the property value. Interest is calculated daily charged monthly on the portion of the overdraft used.

a.Loan to Value Ratio (LVR), is the ratio of money you borrow compared to the value of the property used as security, as determined by the Bank.

parison Rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

c.After fixed period interest rate reverts to Advantage standard variable rate.

d.After fixed period interest rate reverts to Advantage Plus standard variable rate.

Fixed 2 Yearse Fixed 3 Yearse

5.89% 5.99%

6.57%b 6.53%b

5.89% 5.99%

6.57%b 6.53%b

e.After fixed period interest rate reverts to First Home Buyer Advantage Plus standard variable rate.

Fixed 5 Yearse

Overdraft

Flexi Home Equity (S33)4

6.24%

6.52%b

6.24%

6.53%b

WARNING: These Comparison Rates are true only for the examples

given and may not include all fees and

8.00%

N/A

N/A

N/A

charges. Different terms, fees or other loan amounts might result in a different

P&I ? Principal and Interest repayments. IO ? Interest Only repayments.

Comparison Rate. Comparison rates for Variable Interest Only loans are based

on an initial 5 year Interest only period.

Comparison rates for Fixed Interest Only

loans are based on an initial Interest

Only period equal in length to the fixed

period. During an interest only period,

your interest only payments will not reduce

your loan balance. This may mean you

pay more interest over the life of the loan.

Interest rates are on a per annum basis.

Eligibility criteria, terms and conditions,

fees and charges apply.

Interest rates are on a per annum basis. These products are issued by Unity Bank Limited ABN 11 087 650 315 AFSL/Australian Credit Licence 240399. Reliance Bank is a division of Unity Bank Limited. You should consider our Account & Access Facilities Conditions of Use before making a decision. To obtain a copy, phone 1300 36 2000 or visit .au

Unity Bank Level 7, 217 Clarence St Sydney NSW 2000 p: 1300 36 2000 e: mail@.au w: .au Reliance Bank 203-209 Russell St Bathurst NSW 2795 p: 13 24 40 e: mail@.au w: .au

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