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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Let's talk about the fees associated with home loan refinancing
We help you understand the fees for home loan refinancing, including discharge, break costs, and government charges to calculate to help you with your decision with refinancing your home loan.
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What properties are ineligible when applying for an Unloan home loan?
We’ve put together a guide on the ineligible property types based on our lending standards so you can understand how we assess properties at Unloan.
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Understanding how the redraw facility feature at Unloan works
Learn more about how our redraw feature lets you access extra repayments to your home loan over and above the minimum monthly repayments.
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How to setup AutoPay
Setting up AutoPay is a great way to ensure that you never miss a repayment. Learn how to setup AutoPay in six simple steps.
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Can I refinance my investment property?
Refinancing an investment home loan can offer the same great benefits as refinancing your live-in mortgage. But, there are differences when it comes to refinancing your investment property.
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How quickly can I refinance my home loan after purchasing a house?
How long do you have to wait before you can refinance your home loan? Read on to learn more about the timeframes around refinancing.
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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.