We let our rate do the talking

A new kind of home loan

Be rewarded

0.30
%
p.a.
Additional rate discount in year 30.
No negotiations needed.

Save interest

Offset your interest with unlimited free redraw.

Say no to fees

Application Fees

Banking Fees

Account Fees

Change Fees

Exit Fees

In certain circumstances LMI premium may apply.
  • Apply in minutes

    A simple online application you can
complete anytime, anywhere.
  • Apply in minutes

    A simple online application you can
complete anytime, anywhere.
  • Apply in minutes

    A simple online application you can
complete anytime, anywhere.
  • Apply in minutes

    A simple online application you can
complete anytime, anywhere.
  • Apply in minutes

    A simple online application you can
complete anytime, anywhere.
  • Apply in minutes

    A simple online application you can
complete anytime, anywhere.
    You're All Done

Award-winning

Loved by customers. Recognised for outstanding value.

Built by
CommBank

Rest assured.
We’re 100% owned by CommBank, Australia’s leading bank.

What are you looking to do?

I'm buying

Buy a home with the benefit of an award winning home loan.

I’m refinancing

Switch now and get the benefits of a rate that gets better and better.

Check a property

Get listing details and calculate whether you can afford the property.

Savings calculator

Calculate how much you could save by refinancing to Unloan.

Repayments calculator

Estimate what your monthly loan repayments could be.

Borrowing calculator

See how much you could borrow and your estimated monthly repayments.

Loved by our customers

Turns out Aussies love a home loan that's easy to get and even easier to live with

“The ease and simplicity of applying for a loan, the fabulous staff and of course Unloan - a simple loan with awesome rates. Even though mortgages and applications are generally anxiety-inducing, I found this loan the easiest and least stressful ever.”

Russell G.
Mar
2025

“The ease of moving over from another institution to Unloan and the friendly efficient staff who made the experience an easy transition. We have saved heaps as well but we are excited to be with Unloan. Thanks for making the experience painless at our age.”

Joseph F.
Apr
2025

“Good communication, easy to understand and clear instructions on what information was required. This is the second time we have chosen Unloan with no regrets first time around (very easy to deal with), and happy to be returning to Unloan.”

Allison B.
Apr
2025

“Usually people use a Broker, but I was able to do it myself. The whole process went smoothly and quite quickly.”

Robert E.
Apr
2025

“I love the security of Unloan being part of the Commonwealth Bank. Interest rates are fantastic! The app is easy to navigate & loyalty interest rate discount is a great incentive. I actually can't think of anything you could do better. Great product!”

Lisa Q.
Apr
2025

"Couldn't believe how easy and efficient the process has been from start to finish. Truly as easy as it gets."

Andy H.
May
2025

"Very responsive via email and SMS channels. I am very surprised how good the experience is given this is a fully online service."

Eng Hooi T.
Jun
2025

"The application process was easy and simple. Communication was also fast and questions were answered quickly. You have your customers interests at heart and we felt like customers instead of a number. We really found this simple and stress free."

Melissa M.
Jun
2025

"I liked everything about Unloan from the interest rates, to the ease of application and communication from your staff. Everything was so simple and the process was quick too. I’ve already recommended Unloan to many friends and clients."

Jodie P.
Jun
2025

"Easy process with good communication via email or text. Loan terms are simple reducing confusion. App is easy to use and has great features which you can action yourself i.e changing thenumber of approvers, repayment features and funds transferred in/out are quick (same day)."

Jacklyn W.
Jul
2025

"Not only is the rate offered very competitive, but the process to apply had a very personal touch. Very quick responses to assist us throughout the process. We are very excited to have moved to Unloan."

Carlos H.C.
Jul
2025

"Everything seems easy with Unloan. I can draw money out instantly to my bank account when needed, meaning I don't even need an offset account. Redraw is perfect. Market leading rates and a sense of fun, no unnecessary frills. Very happy!"

Daniel S.
Jul
2025

"Love the simplicity of the product and the lowest interest rate on the market plus the annual interest rate discount. I don't need bells and whistles, I need to pay off my loan as quickly as I can."

Sladjana D.
Aug
2025

"Excellent speed on cutting rates. Always feel like I have the best price and not disadvantaged by being an ongoing customer who sometimes misses out on thebest rates over time with other lenders."

Nicholas C.
Aug
2025

Supporting you every step of the way

Hi there!

How can we help?

We pride ourselves on our service and are available to help 7 days a week.

Everything you want to know

ALL IN ONE PLACE
Buying a home or looking to make the
switch? Let’s undo the jargon and make
home loans simple.

In case you missed anything

We may be a good match for each other if:

  • You're refinancing or purchasing a home for up to 80% of the property value. If you're purchasing we may be able to lend you up to 90% of your new home's value with lenders mortgage insurance.
  • You’re 18 and over and have an Australian Drivers Licence or Australian Passport that is valid or expired within the last two years.
  • You earn a PAYG or self-employed income.

Learn more about our eligibility criteria.

We dislike fees as much as you do! That’s why we don’t charge any application fees, ongoing account fees, or exit fees.

In certain circumstances you may be required to pay a Lenders Mortgage Insurance (LMI) premium. Learn more about why this is applied and how it works . Government fees may also apply. Your current lender may charge an exit fee when refinancing.

Our application process is completely digital and designed to make your home loan experience easier. You can apply in minutes.

We’re a fully owned division of CommBank meaning our home loans are built and backed with the financial strength and modern banking technology of CommBank, Australia’s leading bank.

Unloan’s mission is to provide a low-cost home loan that’s easier to take out and more rewarding to live with. As a digital-only home loan, Unloan is available exclusively via our website and our customer support is provided by our dedicated lending team based here in Australia.

For every year your home loan is active, we’ll increase the discount by another 0.01% p.a.** No negotiation, no follow ups. You just get an increased discount every year. Automatically.

It’s our way of saying thanks for staying with us.

We understand our responsibility to safeguard your privacy, and apply strict security and privacy controls in how we handle your information. To find out how we manage your personal information, please read our Privacy Policy.

We’re available to chat between 8am to 6pm (AEST) on weekdays and 10am to 6pm on weekends. Just look for the bubble icon located on the bottom right of your screen to start chatting with our team.

You can also email us at [email protected].

You may also want to check out our FAQs for more answers to common questions.

Unloan offers an unlimited redraw facility that lets you access extra repayments you’ve made on your home loan, above your minimum scheduled repayments.

Apply in minutes

Join thousands of Aussies taking control of their mortgage.