Let’s crunch the numbers

General

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 requiring LMI an LMI premium, and in some instances a higher interest rate, will apply. The LMI premium will be added to the loan amount and increase the repayments under the loan. Find out more about LMI here

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 1annum, up to a maximum discount of 0.30% per annum

Stamp duty calculator

The Upfront Costs are intended as a guide only and are an estimate based on the information you input. The calculations do not constitute an offer of credit or quote. Stamp duty exemptions/concessions may have been applied based on information provided. You should check with your solicitor, conveyancer or revenue office to confirm you are eligible. Upfront costs may be payable before, on or after settlement and some costs may be able to be financed. To find out more about your upfront costs you should speak to us. Other fees and charges may also apply.

LMI may also apply depending on depending on the size of your deposit, security, applicant, and loan attributes. Where LMI applies an LMI premium, and in some instances a higher interest rate, will apply. Where an LMI premium amount is shown this is indicative only. LMI premiums will impact the amount you can borrow and increase repayments under the loan.