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Key Facts Sheet
You can find this handy calculator on our 'Loan Calculator' page on this website. This facility allows you to input your desired loan amount and repayment period and, as their name suggests, receive a summary of all the 'key' information about the loan. Give it a try today.
Click here to start your own Key Facts sheet
6.60% Standard Variable (CR*)
or 6.05% Fixed for 1 or 2 years3
Speak to a Unicredit Lending Consultant today on (08) 9389 1011 or book an appointment at our Nedlands Lending Centre or
$1,000 cash back for loan costs.1
For a limited time Unicredit will provide up to $1,000 cash back to cover your home loan costs.
As Unicredit is already a low cost lender, this will cover all standard Unicredit loan costs and fees - including property valuation4 and Government Landgate costs. If you’re re-financing an existing mortgage, you will still have money left over to contribute to exit costs from the bank.
The cash-back offer applies to all new home and investment loan applications, regardless of loan balance, for both new and existing members. 1
Why we can offer a better deal
As a ‘mutual’ credit union, Unicredit is able to act in the best interest of its members. Our award winning range of home loans are not available through mortgage brokers - so we don’t pay commissions. If you take this opportunity to move your mortgage, you will be joining 4.5 million Australians who choose to bank at a place which is not a bank at all... a place with all the products of a bank, but with a different attitude. As a member based organisation you can trust our motives, and know that we will be there for the long-haul.
Better personal service
Unicredit members have their own personal lending consultant, who can tailor your lending for the lowest possible cost and best flexibility for future plans.
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Better standard variable rates
Our loans can’t be simpler or more flexible. We don’t play games with our members or use complex loan structures to hide long-term rates and fees. Our aim is to be fair to all members.
| Unicredit |
6.60% |
6.60% CompRate* |
Full service - free redraw(2) - no 'exit' fee - and No Ongoing Fees
compare that to the big banks' Standard Variable Rates...
ANZ |
7.30% |
7.40%CompRate* |
Commonwealth
BankWest
'Mortgage Shredder' |
7.31%
7.20% |
7.45%CompRate*
7.26%CompRate* |
NAB |
7.22% |
7.35%CompRate* |
Westpac
'Rocket Repay' |
7.36% |
7.49% CompRate* |
rates taken from banking websites as at 22/12//2011
As a special offer, you can choose to fix your mortgage at 6.05% (CR*) for 1 or 2 years3 - or split your loan at no additional cost : to lock-in that rate on part of the loan, but still allowing you to make extra repayments and free redraws.
Better flexibility
Life is never simple, so we make sure that our loans are flexible enough to deal with your changing financial needs. Unicredit’s best rate is on a simple standard variable product, which allows extra repayments at any time - and unlimited free redraws when you want to use those funds.(2) This can save you hundreds of dollars in interest and fees, by replacing the need for personal loans and credit card debt for the whole family. We provide the personal service to make this easy.
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Unicredit’s professional lending service in Nedlands can customise your home or investment loan exactly for your needs.
You can borrow up to 95% and keep your repayments low with the option of interest only repayments for up to 5 years. You can even split the loan between fixed and variable and make redraws at no cost. 2There are no ongoing fees for a Unicredit home loan and we’ll even provide a Visa Access card which can be used to withdraw cash at any ATM in Australia with no Direct ATM fees and no maintenance fees. 1
PLUS - No ATM Fees on any ATM in Australia 5
Home loans available
Speak to a Lending Consultant –
- You can speak to a Lending Consultant Monday to Friday, 8.30am to 4.30pm
by calling Unicredit on (08) 9389 1011 or email enquiries@unicredit.com.au.
- You can also make an appointment with a Lending Consultant to discuss
your loan requirements anytime during office hours.
Family Equity Mortgage #
- Unicredit offers first home buyers a low cost way into the property market, with little or no deposit by using equity in the family home - which can even help avoid costly Lender’s Mortgage Insurance.
- Find out more
Interstate Lending: As a general rule, Unicredit will only lend to Western Australian based members.
Non-Australian Resident Applications : As a general rule, Unicredit will not lend to new applicants who are not resident in Australia
1. Unicredit will waive its standard loan establishment costs and then reimburse standard loan establishment costs and exit costs from previous financier, up to a total of $1000, for all new property secured loan applications made before 31/3/2012. 2 Minimum loan redraw $1000. 3 The quoted fixed rate is an indicative interest rate only - the fixed rate is set at time of loan funding. 4 Standard valuation costs are defined as valuation costs for properties in the Perth metropolitan area, where the value is under $1 million. The property valuer's cost for this is $184.50. 5. Unicredit members with a home loan over $150,000 do not pay Direct ATM Fees on any ATM in Australia. Overseas ATM withdrawal fees still apply.
Things you should know
All loan applications are subject to Unicredit's normal lending criteria.
Fees and government charges apply, please refer to our Fees and Charges
Schedule, by clicking on the link below or collecting from any Unicredit
branch.
*Comparison rate is for a loan of $150,000 for 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.
Comparison Rate Schedules are available from any Unicredit branch,
or can be downloaded by clicking on the link below.
+Unicredit will lend up to 95% of the valuation of the property for
owner occupier or investment property home loans (Loan to Valuation
Ratio or LVR). Where the loan exceeds 80% of the property valuation,
lender's mortgage insurance is required (LMI).
^Conditions apply.
Repayment holidays are currently provided where a member is in advance
on their minimum payments, to a maximum number of repayment periods
that can be covered by the advance. Requests for repayment holidays
must be made in writing to the Loans Manager.
#Conditions apply.
Family equity mortgages should be discussed with a lending officer
by calling Unicredit on 9389 1011.
~External fees such as government charges, settlement attendance and
valuation fees apply. Please refer to our Fees and Charges Schedule.
