Beginner’s Guide to Home Loans

Hot topics

Hot topic #
01

What is loan to value ratio (LVR)?

Learn how loan to value ratio (LVR) affects your borrowing power, interest rates, and deposit requirements. Discover what lenders look for and how to improve your LVR before applying.
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Hot topic #
02

What is equity?

Understand what equity means in a home loan, how it’s calculated, and how to use it to buy, refinance or invest in property.
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Hot topic #
03

What is a discharge fee?

Understand what a mortgage discharge fee is, when it applies, and how it affects your home loan. Learn the costs, timing, and steps involved when closing your loan early or switching lenders.
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Choosing the right home insurance for your new home
Learn how to choose the right home insurance for your property. Here’s everything you need to know about choosing home insurance as a new home buyer.
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Should I be making additional repayments on my mortgage?
Thinking about making extra repayments on your mortgage? Learn how it could save you interest, shorten your loan term, and put you ahead.
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What is home equity and what are some ways to use it?
Learn what home equity means, how it works, and how Australians are using it to renovate, invest or refinance.
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10 things you may have not known that you could do with a home loan top up
Discover smart and simple ways to use a home loan top-up, from renovations to consolidating debt. Here’s what you need to know.
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10 things to consider when managing increased mortgage costs
Learn how to manage higher mortgage repayments with practical tips, expert guidance, and simple steps. Whether you’re refinancing, adjusting your budget or exploring support, here’s what to consider during rising interest rate periods.
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The evolving role of LVR in the housing market
Learn how loan-to-value ratio (LVR) affects your borrowing power, home loan eligibility, and lender risk in the current Australian housing market.
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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.