Buying a home

Everything you need to know about buying a home

Hot topics

Hot topic #
01

What is a conditional pre-approval?

A conditional pre-approval is an estimate from the lender, indicating what you might be able to borrow.
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Hot topic #
02

Conditional vs Unconditional approval

Knowing the nuances between conditional and unconditional home loan approval is vital in your home buying journey.
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Hot topic #
03

Five unexpected costs with owning a home

Some unexpected costs of owning a home include maintenance, breakages and repairs, renovations, remodelling and property taxes.
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How long a conditional approval lasts
Conditional approval typically last between three to six months, giving you time to find your perfect home.
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Rejected after receiving conditional approval
Receiving a rejection in the home buying process can be disheartening, but it's not the end of your journey.
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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.

^ Unloan offers a 0.01% per annum discount on the Unloan Live-In rate or Unloan Invest rate upon settlement. On each anniversary of your loan’s settlement date (or the day prior to the anniversary of your loan’s settlement date if your loan settled on 29th February and it is a leap year) the margin discount will increase by a further 0.01% per annum up to a maximum discount of 0.30% per annum. This discount is applied to each loan that you have with Unloan. If you have multiple loans (e.g. one investor and one live-in loan), they will each have a discount calculated based on when you settled each loan. Unloan may withdraw this discount at any time.

*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.