Whether you’re purchasing or building a residential or investment property in Western Australia, Unicredit offers a solution to meet your individual needs. With a range of home loan options, competitive interest rates, and no ongoing monthly charges, your property ownership goals are firmly in sight with Unicredit.

Home loans available –

Home loan features –

	Classic Plus	Fixed Options	Equity Access
	Standard Variable	Fixed Interest¹	Line of Credit
Interest Rates
Variable or fixed?	Variable	Fixed	Variable
Interest rate	7.05% pa	1 year - 6.99 % pa¹ 2 year - 6.99 % pa¹ 3 year - 7.19 % pa¹ 4 year - 7.59 % pa¹ 5 year - 7.59 % pa¹	7.40% pa
Comparison rate*	7.09% pa	1 year - 7.08 % pa 2 year - 7.08 % pa 3 year - 7.13 % pa 4 year - 7.29 % pa 5 year - 7.33 % pa	n/a
Loan Features
Loan purpose - Any worthwhile purpose secured by property	Yes	Yes	Yes
Loan term	30 years	Fixed period, 1-5 years	Revolving facility subject to annual review
LVR with LMI1	95%	95%	n/a
LVR without LMI1	80%	80%	80%
Portability	Yes	Yes	Yes
Family equity mortgages2	Yes	Yes	Yes
Repayments and Redraws
Repayment frequency	W/F/M	W/F/M	M
Extra repayments	Yes	No	Yes
Repayment holiday3	Yes	No	n/a
Redraw available	Yes	No	n/a
Offset facility	See redraw facility above.	No	n/a
Principal and interest repayments	Yes	Yes	n/a
Interest only repayments	Yes	Yes	n/a
Fees and Charges
Ongoing fees	Nil	Nil	Nil
Establishment fee4	$200 once only establishment fee
Loan switching fee	$175	$175	$175
Redraw fee	Nil	n/a	n/a
Minimum redraw amount	$1,000	n/a	n/a
Access and Repayment Details
Salary credit	Yes	Yes	Yes
Online banking	Yes	Yes	Yes

Speak to a Lending Consultant –

You can speak to a Lending Consultant Monday to Friday, 8.30am to 4.30pm by calling Unicredit on 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

Mortgage protection insurance 5 –

By taking out loan protection insurance, you are protecting yourself from an unfortunate change in financial circumstances. Loan repayments will continue to be met should the borrower/s become involuntarily unemployed or unable to earn income due to an accident or illness.
We recommend that you discuss the options available to you when you discuss your loan requirements with your Lending Consultant.

Home and contents insurance -

Unicredit can provide you with a competitive quote for home and contents insurance.
You can ask your Lending Consultant for a quote at any time, or indicate on your loan application for a quote to be provided.

Apply today –

1 The advertised / quoted fixed rate is an indicative interest rate only. The actual fixed rate is set at time of loan funding.

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.

Fees and charges

*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.

The mortgage protection insurance product is issued by Swann Insurance (Aust.) Pty. Ltd. (Swann). ABN 80 000 886 680. An IAG Company. You can get a Product Disclosure Statement (PDS) for the product from any office of Swann or its representatives. You should consider the PDS in deciding whether to buy or hold the product.

This is general advice only and does not take into account your individual objectives, financial situation or needs ('your personal circumstances'). Before using this advice to decide whether to purchase this insurance policy, you should consider the appropriateness of it having regard to your personal circumstances, plus obtain and consider the current Product Disclosure Statement for the insurance policy.

Loans

Home Loans