More home. Less loan.

Ready to apply?
Apply in minutes
See home loan features
A discount that gets better and better
Apply in minutes
Live support from our home loan specialists
Built and funded by CommBank

How much can I borrow?

Calculate your borrowing power and get conditional approval so you can research homes with confidence.
Image of a stack of coins
Image of a coin
Image of a coin
Image of a coin

Check a property.

Have a property in mind? Try it out!
Get property insights

Get listing details and property insights including estimated value and property market insights.

Calculate your affordability

Get an estimate and calculate whether you could afford to buy a property.

Know your upfront costs

Understand your upfront costs including stamp duty, government fees, estimated deposit and more.

Image of a phone screen for property insights
Image of a phone screen for calculating affordability
Image of a phone screen for upfront costs

Apply for conditional
approval in minutes.

Pick a home loan that works for you, whether you’re looking to invest or move into your dream home.

Supporting you every step of the way

Icon of a woman smiling
Icon of a man giving thumbs up
Icon of a man wearing glasses

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

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
Oct 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
Oct 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
Oct 2024

In case you missed anything

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.

Related articles

Understanding strata titles, how it works and its fees
8 potential strategies for first home buyers in a highly competitive market
What is the difference between a property appraisal, estimated property value and property valuation?

Apply in minutes

Join thousands of Aussies taking control of their mortgage.
Apply now

General

*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.

^Other third party fees may apply. Government charges may apply.

**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 loans with a Loan-to-Value ratio (LVR) between 80.01% and 90%, a Lenders Mortgage Insurance (LMI) premium and a higher interest rate apply. For more details, refer to the Lenders Mortgage Insurance (LMI) and high-interest rate links above. In some cases, depending on the property's location or type, LMI may also be required for LVR between 70.01% to 80%. LMI protects us (not you) against potential losses if you can’t repay your loan. If the security property is sold and the proceeds are insufficient to fully repay the loan, we may recover the outstanding amount under our LMI policy. The LMI provider may seek to recover this amount from you, as you are still responsible for repaying the entire loan. The LMI fee reimburses us for our insurance cost, is part of the total loan amount, and is non-refundable.

‍
Borrowing calculator

Calculations are estimates provided as a guide only. They are calculated based on our current advertised variable rate, and assume this rate continues for the life of the loan. Interest rates may change at any time. Should you take out a home loan with Unloan, discounts applied during the life of the loan will be applied to the relevant reference rate at that time.

Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as stamp duty or government fees). Any of these additional amounts will increase repayments under the loan.

An LMI premium and higher interest rate apply to loans with an LVR of greater than or equal to 80.01%. Where an LMI premium amount is shown this is indicative only. An LMI premium may also apply to some loans with an LVR less than 80.01% depending on the size of your deposit, security, applicant, and loan attributes.

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.

Calculations are estimates provided as a guide only. They are calculated based on our current advertised variable rate, and assume this rate continues for the life of the loan. Interest rates may change at any time.

Should you take out a home loan with Unloan, discounts applied during the life of the loan will be applied to the relevant reference rate at that time.

Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as Lenders Mortgage Insurance (LMI), stamp duty or government fees). For loans with a Loan-to-Value ratio (LVR) between 80.01% and 90%, an LMI premium and higher interest rate may apply. In some cases depending on the property’s location or type, LMI may also be required for LVR between 70.01% and 80%. Any of these additional amounts may impact how much you can borrow and will increase repayments under the loan.

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.

**This figure represents the rate/repayment applicable in the final year of the loan, should the loan remain in place for the full term selected and assumes the reference rate will not change for the life of your loan, which is unlikely to be the case. 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.

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.