Beginner’s Guide to Home Loans

Hot topics

Hot topic #
01

What is loan to value ratio (LVR)?

You might be wondering, what is LVR (loan to value ratio)? It’s the borrowed amount relative to the value of the property being bought or refinanced.
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Hot topic #
02

What is equity?

Everything you need to know about equity, from how to build it and what it's used for.
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Hot topic #
03

What is a discharge fee?

We explain what a discharge fee is, when it's required and what the process of discharging your home loan looks like.
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What is a credit check?
When applying for a home loan, a lender will do what’s called a credit check. Here’s what you can expect.
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The RBA cash rate explained: How it affects you
RBA charges a rate on unsecured overnight loans between banks. The RBA cash rate increase is to balance the economic stability. Here’s how it may affect you.
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How does a family guarantee work?
Everything you need to know about a family guarantee and how it works.
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Determining a good interest rate
How can you identify a good interest rate? Here are five factors worth thinking about when trying to decide which rate is best for you.
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Why do you need to check your credit score?
We explain why it's important to check your credit score regularly.
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What is loan amortisation?
Everything you need to know about loan amortisation and how it works.
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%
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in year 30
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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.