We let our rate do the talking

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A discount that gets better and better
Apply in minutes
Live support from our home loan specialists
Built and funded by CommBank

A new kind of home loan

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Built by Australia's leading bank

About CommBank

Say no to fees

Application Fees

Banking Fees

Account Fees

Change Fees

Exit Fees

In certain circumstances LMI premium may apply.
Learn more

Save interest

Offset your interest with unlimited free redraw.
How redraw works
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Award-winning

Loved by customers. Recognised for outstanding value.
Find out more

  • 6 easy steps.
    And done.

    We've used the latest technology to make your application experience faster and easier.
    Phone screen iamge of Get Started

    Let's
    get started

    What are you looking to do?
    I’m Buying
    See your maximum borrowing amount and apply for conditional approval
    I’m refinancing
    Switch your current home loan to Unloan

  • Step 1
    Add your property

    Look up your castle, add it, and presto.
    Phone screen image of step 1: adding an address in app

  • Step 2
    Add your details

    Add any other borrowers you're applying with.
    Phone screen image of step 2: adding peoiple to the account

  • Step 3
    Add your income

    The one time it’s not rude to talk about money.
    Phone screen image of step3: adding your income

  • Step 4
    Add your expenses

    Food, bills, utilities, you know, life stuff.
    Don’t worry, we’ve made it really easy for you.
    Phone screen image of step4: adding your expenses

  • Step 5
    Add your debts

    And any loans or liabilities you may have.
    Big or small, let us know.
    Phone screen image of step5: adding your debts

  • Step 6
    Submit application

    Setup your new home loan and verify your application.
    You're All Done
Get started

Award-winning value

We’re committed to making home loans the way they should be. Outstanding value. Simple to get. Easy to live with.

“I didn’t think refinancing would be so easy. From the initial application through to final settlement Unloan were fantastic and so easy to deal with.”

Eliza B, NSW
October 29, 2024

“Great experience. Quick Responses! Quick and simple, no frill. Easy to deal with. Loans team guiding each step of the way.”

Michael C, NSW
October 29, 2024

“I couldn't believe how easy it was! We have just about settled our home loan with unloan, and the process from start too finish was so easy!”

Lucy C, WA
October 29, 2024

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.

Supporting you every step of the way

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Hi there!

How can we help?

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

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.
Learn with Unloan

Frequently asked questions

We may be a good match for each other if:

  • You’re refinancing a residential property for up to 80% of its current value
  • 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.

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.

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

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.
Apply now

Calculations are not a loan approval. Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Full terms and conditions will be set out in our loan offer, if an offer is made.

*Comparison rate is calculated on a $150,000 secured loan over a 25 year term. 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.

**Rates shown are inclusive of a 0.01% p.a. discount off our reference rate. On each anniversary of your loan’s settlement date, you will receive an additional discount of 0.01% per annum, up to a maximum discount of 0.30% per annum. For purchase loans with a Loan to Value Ratio (LVR) between 80.01% - 90% LVR, a lenders mortgage insurance (LMI) premium and higher interest rate apply. In some cases depending on the property’s location or type, LMI may also be required for LVR between 70.01% and 80%.

A home loan you can love

Low rates, with a discount that gets better and better.

No fees from us

No application fees, no account-keeping fees, no annual fees.

Apply in minutes

Switch to Unloan today.

Built by CommBank

Unloan is a digital home loan, built by Australia's leading bank.