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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What is comprehensive credit reporting?
Everything you need to know about Comprehensive Credit Reporting, also known as CCR.
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What are your options when a fixed rate term ends?
As your fixed rate ends, you can explore new rates, renegotiate, or refinance your home loan with other banks and lenders. We've created a guide explaining each option.
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What is debt consolidation and what has it got to do with refinancing?
Consolidating your debt by refinancing could help you to save on your home loan repayments. Read on to learn more about debt consolidation and how refinancing can help.
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Unloan’s expert guide to refinancing your home loan
Refinancing your home loan can open up a world of opportunities. To help you with the process, we’ve pulled together our very own expert guide to refinancing your home loan.
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4 scenarios of when it's a good idea to refinance
As a homeowner, there’ll be times when refinancing your home loan just makes sense. With that said, it can often be tricky to know when the best time to refinance is. Here are scenarios to consider when assessing whether to refinance.
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Comparing and contrasting repricing and refinancing
While both refinancing and repricing can help you save on your interest rate and mortgage repayments, there are also key differences that set these two approaches apart.
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Annual rate discount

0.30
%
p.a.
in year 30
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In certain circumstances LMI premium may apply.
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Offset your interest with unlimited free redraw.
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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.