Switching to Unloan

Refinancing your home loan to Unloan

Hot topics

Hot topic #
01

What happens when your fixed rate ends?

As your fixed-rate ends, you can explore new fixed rates, renegotiate, or refinance with other banks and lenders.
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Hot topic #
03

How can I apply as a CommBank customer?

Unloan is built by Australia's leading bank, CommBank. You can apply via our website
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Can I increase my home loan repayments?
When it comes to increasing your home loan repayments, it generally depends on your repayment type.
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Can Unloan refinance multiple properties?
You can refinance multiple properties to Unloan as long as the total of the loans doesn’t exceed ten million dollars.
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How do I make additional repayments?
Additional repayments can be an effective way to reduce your interest over time and pay off your loan faster.
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What does refinancing mean?
It’s when you replace your existing mortgage with a new one. Wave goodbye to your old loan terms and switch to a new home loan.
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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.
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There's plenty more to love

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Annual rate discount

0.30
%
p.a.
in year 30
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Say no to fees

Application Fees

Banking Fees

Account Fees

Change Fees

Exit Fees

In certain circumstances LMI premium may apply.
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Save interest

Offset your interest with unlimited free redraw.
How redraw works
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See all of Unloan's features

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.