Beginner's Guide to Home Loans

Hot topics

Hot topic #
01

What is Loan To Value Ratio (LVR)?

You might be wondering, what is LVR (Loan-to-Value Ratio)? It’s the borrowed amount relative to the value of the property being bought or refinanced.
Read on
Hot topic #
02

What Is Equity?

Equity is your property's value minus what you owe on your mortgage.
Read on
Hot topic #
03

What Is a Discharge Fee?

A discharge fee is required when you pay off your mortgage or switch lenders.
Read on
What Is Loan Amortisation?
Everything you need to know about loan amortisation and how it works.
Read on
Read on
View answer
View answer
Can I Include My Student Debt in a Debt Consolidation Loan?
We explore if you can include your student debt in a debt consolidation loan.
Read on
Read on
View answer
View answer
What Are the Features and Benefits of a Redraw Facility?
Are you looking for a way to save on interest and tap into your equity later down the track? A redraw facility could just be the answer.
Read on
Read on
View answer
View answer
When Do I Need to Provide a Certificate of Currency?
We explain when and why you need to provide a certificate of currency.
Read on
Read on
View answer
View answer
What Is a Mortgage Prisoner?
It’s important to understand what the term ‘mortgage prisoner’ is as it’s something you want to avoid.
Read on
Read on
View answer
View answer
Refinance Cashback Offers: Are They Really Worth It?
We explain the potential benefits and drawbacks when it comes to refinance cashback offers.
Read on
Read on
View answer
View answer

More questions?
We have more answers.

Chat to us

Got a question?
Ask us anything.

Understand your eligibility
Check and submit your application
Get support every step of the way
Start chatting
Learn hub

Everything you want
to know in one place

Buying a home, looking to make the switch or applying for a home loan? Let’s undo the jargon and make home loans simple
Learn with Unloan

There's plenty more to love

See all of Unloan's features

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.