UniBank Home Loan



Unibank Home Loan

As the name suggests, UniBank provides financial products and services catering to the financial needs of the university sector. Established by the Chemistry Department of the University of Australia in 1964, this financial institution aims to provide a exceptional banking experience to the staff, students and graduates of Australian Universities.

Unibank Home Loan Rates

LendersRate of InterestComparison RateRatings
UniBank undefined Interest Rate


5.79% - 6.49%

6.12% - 6.82%


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Pros & Cons-UniBank


  • Strict lending policies.
  • Signup Fees.
  • Customer Support.


  • High Property Value for First Home Buyers.
  • Strict Age Restrictions.
  • Home Loan for Self-Employed.

About Unibank Home Loan

Unibank's domestic mortgage is a financial product that lets customers buy or assemble a new domestic or renovate an existing one. The bank gives flexible home loan options to cater to the various desires of its clients. Unibank presents competitive interest costs, low processing expenses, and a range of repayment options to make it smooth for clients to finance their dream domestically. Whether you are a primary-time homebuyer, upgrading to a brand new domestic, or renovating your present one, Unibank has a home loan product that fits your desires.

Features of a Unibank Home Loan

  • Unibank's home loan has numerous features that make it an attractive choice for clients. Here are some of the key capabilities of a Unibank home mortgage:
  • Competitive hobby charges: Unibank offers aggressive interest quotes on its home loans, which can be lower than the market average. This makes it low-cost for customers to finance their dream homes.
  • Flexible repayment alternatives: Unibank offers a range of repayment alternatives, consisting of month-to-month, bi-month-to-month, and quarterly payments. Customers can choose a reimbursement choice that suits their cash flow.
  • Low processing costs: Unibank costs low processing fees on its domestic loans, which reduces the overall cost of borrowing.
  • Quick loan processing: Unibank's streamlined mortgage processing machine ensures fast approval and disbursal of domestic loans.
  • Loan pinnacle-up facility: Unibank offers a loan pinnacle-up facility, which permits customers to increase their mortgage quantity if they need additional funds for home preservation or expansion.

Eligibility Criteria

To be eligible for a Unibank home mortgage, customers ought to meet the following criteria:

  • Age: Customers need to be at least 21 at the time of application and no longer exceed 60 years at mortgage maturity.
  • Income: Customers should have a stable source of income, and their net monthly income must be sufficient to cowl the month-to-month mortgage compensation quantity.
  • Credit rating: Customers have to have an excellent credit rating. That's a reflection of their creditworthiness. A correct credit score score will increase the chances of loan approval and decrease the mortgage's interest price.
  • Property cost: The assets purchased or constructed should be placed in an approved area with a clean identity.
  • Down charge: Customers must make a down charge of a minimum of 10% of the fee for the belongings.

How to Apply for a Unibank Home Loan?

Customers can apply for a Unibank home mortgage through the following methods:

  • Online: Customers can visit the Unibank website and fill in the online utility form. They will want to offer personal and financial info and information about the belongings being purchased or constructed.
  • In-character: Customers can go to their nearest Unibank branch and observe for a home mortgage in person. They will want to bring all the necessary documents and offer details about the property being bought or built.

Documents Required for a Unibank Home Loan

Customers want to submit the following documents when applying for a Unibank home mortgage:

  • Identity evidence: Passport, driving force's license, PAN card, or voter ID card.
  • Address proof: Utility invoice, condominium agreement, or financial institution announcement.
  • Income evidence: Salary slips, financial institution statements, or profits tax returns.
  • Property documents: Property sale settlement, allotment letter, or possession certificates.
  • Bank declaration: To display the normal cash waft.

Unibank Home Loan Calculator

Unibank presents an online domestic mortgage calculator that allows clients to estimate their month-to-month payments based on the loan amount, hobby price, and tenure. A domestic loan calculator is a valuable tool that helps clients to plot their finances and pick a loan quantity that is lower priced. Customers want to go into the loan amount, hobby charge, and tenure to use the house loan calculator. The calculator will offer an estimate of the month-to-month compensation quantity.

Customer Service for Unibank Home Loan

Unibank has a devoted customer support group that provides help and aid to clients concerning their domestic mortgage packages. The financial institution's customer support team is to be had through smartphone, email, or in character at its branches. Customers can touch the customer service team to inquire about their domestic loan software fame, repayment timetable, or some other queries associated with their home loan.

Frequently Asked Questions

What types of home loans does Unibank offer?

Unibank offers a range of home loans, including home purchase, construction, improvement, and balance transfer loans.

How much can I borrow with a Unibank home loan?

The amount you can borrow with a Unibank home loan depends on your income, credit score, property value, and loan tenure. Generally, customers can borrow up to 80% of the property value.

How long does getting approved for a Unibank home loan typically take?

Unibank’s streamlined loan processing system ensures quick approval and disbursal of home loans. The time taken for approval may vary depending on the completeness of the application and the accuracy of the information provided.

What happens if I miss a repayment on my Unibank home loan?

If you miss a repayment on your Unibank home loan, you may be charged a late payment fee, and your credit score may be negatively impacted. If you continue to miss repayments, your loan may be classified as a non-performing asset, and Unibank may take legal action to recover the outstanding amount.

What support and resources does Unibank offer to home loan borrowers?

Unibank provides various resources and support to home loan borrowers, including a loan calculator, online application portal, customer service helpline, and dedicated relationship managers. Additionally, Unibank offers customers guidance and advice regarding the loan process, repayment options, and eligibility criteria.


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