Loyalty should be rewarded
Get an additional loyalty discount on your home loan rate. Every year.
p.a.
in year 30.

Unlock savings every year
Every year on the anniversary of your settlement date we’ll give you an additional 0.01% p.a. loyalty discount on your rate, up to a maximum of 0.30% p.a.
Award-winning value
Recently refinanced and wish I’d done it sooner. The process was smooth, the staff were genuinely helpful, and the rates are far better than what I was on. It felt like dealing with everyday people who actually understand and relate to your situation. Highly recommend making the switch!
Unloan is simply brilliant - so glad we moved to Unloan. No nonsense approach to home loan lending, very modern service fit for today, competitive interest rates, considerate team assistance and when I needed a top up, you made it very professional and easy.
Unloan is a stand out service to total communication methodology, including online, mobile app, email, SMS & direct conversation with home loan specialists is always clear & readily understandable.
The efficiency, simplicity, professionalism, and friendly support provided throughout the application were greatly appreciated, making the journey from initial inquiry to completion seamless and stress-free.
The settlement process was incredibly smooth - by far the most seamless experience I’ve had. Every step was clearly communicated, timelines were met without stress, and the entire process felt efficient and well-supported. I was genuinely impressed by how easy it was from start to finish.
The application process was easy to complete within our Unloan app. We found customer service was super efficient and nothing was an issue. I wish we had refinanced to them sooner. Also love that they offer one of the lowest interest rates available.
"Excellent speed on cutting rates. Always feel like I have the best price and not disadvantaged by being an ongoing customer who sometimes misses out on thebest rates over time with other lenders."
"Love the simplicity of the product and the lowest interest rate on the market plus the annual interest rate discount. I don't need bells and whistles, I need to pay off my loan as quickly as I can."
"Everything seems easy with Unloan. I can draw money out instantly to my bank account when needed, meaning I don't even need an offset account. Redraw is perfect. Market leading rates and a sense of fun, no unnecessary frills. Very happy!"
"Not only is the rate offered very competitive, but the process to apply had a very personal touch. Very quick responses to assist us throughout the process. We are very excited to have moved to Unloan."
"Easy process with good communication via email or text. Loan terms are simple reducing confusion. App is easy to use and has great features which you can action yourself i.e changing thenumber of approvers, repayment features and funds transferred in/out are quick (same day)."
"I liked everything about Unloan from the interest rates, to the ease of application and communication from your staff. Everything was so simple and the process was quick too. I’ve already recommended Unloan to many friends and clients."
"The application process was easy and simple. Communication was also fast and questions were answered quickly. You have your customers interests at heart and we felt like customers instead of a number. We really found this simple and stress free."
"Very responsive via email and SMS channels. I am very surprised how good the experience is given this is a fully online service."
"Couldn't believe how easy and efficient the process has been from start to finish. Truly as easy as it gets."
“The ease and simplicity of applying for a loan, the fabulous staff and of course Unloan - a simple loan with awesome rates. Even though mortgages and applications are generally anxiety-inducing, I found this loan the easiest and least stressful ever.”
“The ease of moving over from another institution to Unloan and the friendly efficient staff who made the experience an easy transition. We have saved heaps as well but we are excited to be with Unloan. Thanks for making the experience painless at our age.”
“Good communication, easy to understand and clear instructions on what information was required. This is the second time we have chosen Unloan with no regrets first time around (very easy to deal with), and happy to be returning to Unloan.”
“I love the security of Unloan being part of the Commonwealth Bank. Interest rates are fantastic! The app is easy to navigate & loyalty interest rate discount is a great incentive. I actually can't think of anything you could do better. Great product!”
“Usually people use a Broker, but I was able to do it myself. The whole process went smoothly and quite quickly.”
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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.
*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.