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 buy now pay later? And does it impact your credit score?
Buy Now Pay Later could be hurting your credit score. Read on to learn more about Buy Now Pay Later (BNPL) services and how they can affect your credit rating.
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What is a holding deposit?
If you want to show the seller you’re serious about buying their property, you might want to throw in a holding deposit along with your offer to sweeten the deal.
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What are basis points?
Learn what basis points are and their significance in home loans. This guide simplifies the concept to help you make informed decisions on refinancing or purchasing, with tips on managing interest rate changes.
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When should I consider applying for financial hardship assistance?
Some people will experience financial stress at some point, which makes it difficult to keep up with their mortgage repayments. Learn more about financial hardship loans and claiming financial hardship.
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What happens with your home loan if you pass away
What happens to debt in the situation where the homeowner passes away? The answer depends on your personal situation.
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Can I get a home loan in Australia while living overseas?
If you’re an Aussie living abroad, you might be wondering if you can apply for a home loan while overseas. Read on to get the low down on expat home loans.
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^ 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.