Switching to Unloan

Hot topics

Hot topic #
01

Unloan’s 6 step guide to refinancing and how it works

Decided it’s time to refinance your home loan? Learn more about the refinancing process and how it works.
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Hot topic #
02

9 questions to ask your lender when refinancing your home loan

When considering to refinance your home loan, it’s important to know what questions to ask your lender, to make sure you’re switching to a new home loan that suits your needs.
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Hot topic #
03

What is refinancing and how can it help you reach your financial goals?

Learn how refinancing a home loan works and how you can use it to reach your financial goals.
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How does refinancing work with your equity and can you access equity without refinancing?
We explain how does home equity play a role in refinancing, how to calculate equity and ways to access it without undergoing a full refinance.
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The pros and cons of cash out refinancing
Looking to utilise the equity in your home? Discover the pros and cons associated with cash out refinancing.
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What personal information is required on an Unloan home loan application?
A handy guide on what documents you'll need when applying for an Unloan home loan.
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Co-borrowers and other loan structures
If you need to add a co-borrower or know what loan structures are accepted when applying for an Unloan home loan, this guide will help you.
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What documents can I use to verify my income?
When you apply for an Unloan home loan, you'll need to provide documents to verify your income. Below is a list of everything you need.
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What are government fees?
There may be a number of fees and costs involved when refinancing your home or purchasing a home which include government fees.
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Annual rate discount

0.30
%
p.a.
in year 30
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Say no to fees

Application Fees

Banking Fees

Account Fees

Change Fees

Exit Fees

In certain circumstances LMI premium may apply.
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Save interest

Offset your interest with unlimited free redraw.
How redraw works
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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.