Buying a Home

Hot topics

Hot topic #
01

What is LMI?

Learn what lenders mortgage insurance (LMI) is, how it works, and its role in home loans. Gain clarity on when LMI applies, how it impacts your mortgage, and how to calculate LMI costs for your situation.
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Hot topic #
02

Your checklist for moving house

Moving house soon? Read our comprehensive checklist to help you stay organised and prepared. From packing to budgeting, follow these essential steps for an stress-free move.
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Hot topic #
03

Your guide to conditional approval

Explore our comprehensive guide to conditional approval, detailing the steps, benefits, and key considerations when seeking conditional approval for your home loan.
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5 things you should do before renting out your investment property
Are you thinking of buying a house to rent out? Or perhaps you’re planning on turning your current home into a rental. We’re here to help you navigate how to rent out a property starting with preparing for renting out your property.
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First home, forever home, growing family: What kind of home buyer are you?
Buying your first home, upgrading for a growing family or ready for your forever home? Discover which type of buyer you are and what home loan suits you best.
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How much deposit will I need to buy a house?
Find out how much deposit you need to buy a house in Australia, whether you’re a first home buyer or investor.
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How to calculate loan to value ratio (LVR)
Learn how to calculate your Loan to Value Ratio (LVR), what it means for your home loan, and why lenders use it. A simple, step-by-step guide to help you understand how LVR affects your borrowing power and interest rates.
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Reasons why your home loan application may be declined
Understand the most common reasons why home loan applications get declined, what lenders look for, and how to improve your chances of getting approved next time.
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10 things to look for when inspecting properties
Discover the top 10 things to check when inspecting a property. From structural issues to neighbourhood insights.
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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.