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 rentvesting?
Not everyone can afford to buy in the area they’d most like to live in. Introducing rentvesting. Learn more about this investment strategy and the pros and cons that come with rentvesting.
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8 factors about your house that might bring its value down
As a homeowner, you may think that your house value will continue to increase, however there may be times when the value drops. Here are 8 key factors that can affect house prices.
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How your HECS debt affects your home loan
If you used HECS to help fund your university degree, you might be wondering how this type of debt impacts your chances of getting a home loan. Here’s how it works.
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Comparing home loan rates: Things to consider about your future
Before you dive into house hunting, submitting offers and everything else that comes with buying a home, there are a few key factors you should think about when buying a house.
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What is compound interest and how does it affect your home loan?
Do you understand how compound interest works and the effect it can have on your mortgage? Learn more about this type of interest and how to beat it when you take out a home loan.
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History of mortgage rates in Australia & where they might go
Here’s a quick look at Australia’s interest rate history and where they are predicted to go in the coming months.
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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.