Beyond settlement

We all may experience financial hardship at some time. Getting support is important, and we’re here to help. In addition to contacting us, you may also find help from these external support services.

You need to have at least 20% equity in your property (80% Loan-to-Value-Ratio). When you refinance your home with us, we’ll get an updated valuation of your property to make sure your LVR is 80% or less. Learn more about our eligibility requirements.

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. It’s our way of saying thanks for staying with us.

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Unloan offers a low cost home loan, an annual loyalty discount, a redraw facility and no annual, application, banking, account, transaction, late or exit fees. Learn more about the Unloan Home Loan.

In certain circumstances you may be required to pay a Lenders Mortgage Insurance (LMI) premium. Learn more about why this is applied and how it works. Government fees may also apply. Your current lender may charge an exit fee when refinancing.

Higher interest rates typically mean your borrowing power will be reduced as your repayment costs will increase.
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Unloan offers an unlimited redraw facility that lets you access extra repayments you’ve made on your home loan, above your minimum scheduled repayments.

A redraw facility lets you access extra repayments you’ve made on your home loan. Maintaining an available redraw balance can help you reduce interest on your home loan. This could come in handy if you need some extra cash down the track.



Learn more about redraw.

A Top Up for a home loan refers to borrowing additional funds on your existing home loan. It allows homeowners to access additional funds from their lender based on the equity they've built up in their property as well as their current financial situation. This equity is the difference between the current market value of the property and the outstanding balance on the home loan.

Top Ups are often used for various purposes such as home renovations, education expenses and investments. Since the borrower is already a customer of the lender, the process for obtaining a Top Up is typically simpler and faster compared to applying for a new loan.The terms and conditions for Top Ups may vary depending on the lender and the borrower's financial situation.

Please note: Topping up your home loan means you’re taking on more debt and may increase your loan repayments. Before increasing your loan, make sure you’re comfortable with any potential changes to your repayments.

It’s also important to understand that by using your loan top-up funds to make a purchase (e.g. a holiday or vehicle), the life of that purchase could be significantly shorter than your remaining home loan term. Be confident this is compatible withyour financial goals