Built by Australia's leading bank

Built by Australia's leading bank, Unloan is a new kind of home loan designed to put more value back in customers' hands.

Image of CommonwealthBank HQ
Unloan is part of the Commonwealth Bank. Our home loan has been developed and backed with the financial strength and modern banking technology of CommBank – Australia's leading bank.

We believe home loans should be easy to get and easier to live with. We've built a home loan with low rates, an increasing discount, and an easy online application process.

Why now?

Now more than ever, people are choosing to take direct control of their financial futures. Customers know they are best placed to determine which home loan is the right one for them. Digital-only providers, like Unloan, are putting more power back into customers' hands. We've designed Unloan to meet this need, while combining our world-class digital customer experience with outstanding customer service and support.

Built on modern technology foundations, Unloan strips away many of the complexities seen in more traditional lending options with a digital experience that allows customers to complete their application in minutes.

This means that Unloan can provide the best of both worlds — the security, experience and resources of the Commonwealth Bank, combined with a world-class customer experience.

Frequently asked questions

We’re a digital-only lender built and backed by CommBank, meaning our loans are too. We believe that home loans should be easy to get and even easier to live with. We undo all the confusion, hassle and stress associated with home loans that are seen in more traditional lending channels. We keep it simple for our customers with low rates that is discounted every year, up to 30 years. Our digital application experience allows customers to seamlessly complete their application 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.

Recent news

More articles

CBA takes on fintech threat with ‘10 to 20 minute mortgage’

Commonwealth Bank Group highlights its investment in a new fully digital home loans business

CBA’s x15 invests in property disruptor

CBA announces today a new strategic partnership while flagging its strong investments in home buying

CBA’s new digital mortgage to be offered direct

CBA's new digital home loan business will offer 'direct-to-customer' home loans

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.