Rating based on 25 reviews

Australian Unity

  • Home loans up to $400,000
  • Low-interest starting from 3.79%
  • Repayment up to 30 years

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Australian Unity homepage
Author Australian Unity. Screenshot of Australian Unity website.
[Accessed May 26, 2023]

About Australian Unity

With a decidedly homegrown pitch, Australian Unity is a diverse finance house but probably most widely patronised for its home loan offering.

Growing year on year with new clients and returning clients alike, the company is a familiar presence and increasing its reach across the continent.

To invest or to make a home

Australian Unity differentiates between a home for homeowners and an asset for investors. Claiming a 175-year history, centred squarely on the man in the street, the company presents as an entity of experience caring for the basic needs of citizens.

This is carried into the detailed to and fro clients at times experience as staff juggle figures for the level best deal they can get, especially on a parcelled offering.

Many benefits of a package deal

Parcelling can be made up of the home loan itself, banking facilities, insurance, gap cover and/or health cover discounts, a sideline investment and a credit card linked to accounts.

A shifting demographic

Finding itself with a shifting demographic starting to lean into the late ’20s to late 30s age group, the company has diversified its product range accordingly.

Prospective clients from this demographic have come to expect the ability to house everything under one roof and Australian Unity has responded in kind.

Australian Unity Services

Australian Unity puts its money where its mouth is, offering clients a 0.75% discount on the published variable home loan rate.

This runs for the life of the loan. It’s an offer that’s hard to beat. Currently, there is also a further 0.22% knocked off for loans taken up during this period. In addition to a variable loan rate that seldom looks better elsewhere, prospective home loan clients get a good deal more.

Get a linked-credit card

An accompanying credit card comes with zero annual fees. Should clients opt for health insurance through Australian Unity, they’ll get it at a 10% discount as mortgage clients.

An account facilitated with all the usual banking apps and a Visa debit card comes free of charge too.

Get home insurance

Bundling home insurance when taking up a home loan affords clients $100 towards the cost of that insurance, as the company has an affiliation with Allianz to the benefit of its clients.

Get assistance fast

With helpline numbers and contact encouragement presented well on the click-through, Australian Unity not only puts it down in black and white, but the company is also elegantly geared towards a true service offering for home loan seekers.

Australian Unity – Home loan

  • Loan Type Home loans
  • Interest Rate 3.793.82% p/a
  • Loan Amount up to $400,000
  • Repayment 10 years to 30 years

Benefits of Australian Unity

  • Low-interest rates starting from 3.79%
  • Home loan amounts up to $400,000
  • Repayment terms up to 30 years

They're Australia's best home loan lender

Finding a good balance between a proud history and a dynamic, modern service in its marketing strategy, Australian Unity presents as a truly welcoming and professionally astute home loan option.

Capitalising on its extensive understanding of its home market, it is currently pitching owner-occupied home loans in its Kickstarter package at a rate of 3.79% against a comparative rate of 3.82%

A lifestyle choice

With a decided lean towards the 20 - 40 age group for whom the details of additions & extras have become a way of life, Australian Unity has managed to preserve its position as a staple oldie while also gearing elegantly and successfully for the new ranks of consumers.

Clicking through allows one to establish products and costs upfront on anticipated borrowing.

A host of useful tools

One final feather in the company’s cap is the host of tools available on-site. There is genuine assistance available for family budgets, borrowing costs and even a “financial literacy calculator”.

Possibly alone in the global alternative banking fraternity, no other company demonstrates such genuine interest in the well-being of prospective home loan clients.

What are the implications of not paying your home loan in time?

They understand that there may be reasons beyond your control that may cause a delay on your monthly home loan instalment. It is important that you understand that frequent late payments may lead to having your home repossessed.

As much as you want to own property and would like to have a house that you can finally call home if you can’t afford the credit plan at this present moment, it is best if you don’t apply. The only time you should apply for an advance is when you are certain that you will never skip any payments. This means that the customer has to always ensure that there is sufficient money in their bank account on the day of the debit order.

Can you apply for two home loans at the same time?

Australian Unity will only approve your credit request if they can see that you actually can afford to pay for two loans at the same time. They will have to do their own verification assessments and they will then let you know of the outcome of your loan application.

They do prefer that their clients take one loan at a given time but if your credibility allows for more, they will never stand in your way.

man holding thumbs up

Australian Unity is a trusted & reliable provider of home loans

In our review, Australian Unity adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Australian Unity is a registered credit provider in Australia: ACL 237994

Customer Reviews & Testimonials

August 2018

Apply for a home loan at Australian Unity was fast, easy and convenient.

Michelle B
— Perth —

April 2019

Thanks to Australian Unity, I got an affordable home loan deal.

Steve F
— Canberra —

Australian Unity Contact

Physical Address

Opening Hours

  • Monday 8.30am – 5.30pm
  • Tuesday 8.30am – 5.30pm
  • Wednesday 8.30am – 5.30pm
  • Thursday 8.30am – 5.30pm
  • Friday 8.30am – 5.30pm
  • Saturday
  • Sunday