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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Your guide to upsizing or downsizing your home
Thinking of upsizing or downsizing your home? Learn how it impacts your home loan, costs to consider, and how you could make your next move.
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How does the cooling off period differ from state to state?
Understand how the cooling off period differs across each state in Australia.
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What is a low deposit premium (LDP)?
Learn how a Low Deposit Premium (LDP) works, why lenders charge it, and what it means for your upfront costs when applying for a home loan with a small deposit.a
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How do banks value properties?
Understand how banks assess property value when you apply for a home loan. Learn about valuation methods, what impacts the final figure, and why it matters.
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What is a strata inspection report?
Learn what a strata inspection report is, what it covers, and why you might need it when considering a strata-titled property.
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What is a pest inspection report?
Understand what a pest inspection report is, what it covers, and why it’s essential for home buyers and property investors. Learn how it can save you from costly surprises down the track.
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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.