We let our rate do the talking

Live-in: 6.14% p.a. variable rate, 6.05% p.a. comparison rate*

6.14% per annum variable rate

Variable rate^

6.05% per annum comparison rate

Comparison rate*

^Incl 0.01% p.a. loyalty discount to the applicable variable rate in year 1. For new loans, up to 80% LVR.

Apply in minutesSee home loan features

A new kind of home loan

A loyalty discount
that gets better
every year

Up to

0.30
%p.a.

loyalty discount in year 1.

Every year we’ll increase the loyalty discount on your variable rate current at the time by 0.01% p.a. (up to a maximum of 0.30% p.a. in year 30) on the anniversary of your settlement date.
It’s our way of saying thanks for staying with us.

Learn more

Save interest with
unlimited redraw

Deposit extra funds anytime. Access your extra funds at anytime.

Piggy bank

Our unlimited redraw means you can make additional payments to reduce the interest charged on your loan. And then access it instantly whenever you need, with no fees.

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Say no to fees

Application fees

Banking fees

Account fees

Change fees

Exit fees

Unlike most lenders, we won't charge you fees. That's no annual fees, application fees, banking fees, account fees, transaction fees, or exit fees.

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Don't pay LMI

Borrow with a 10% deposit plus upfront costs, without paying Lenders Mortgage Insurance (LMI). Higher interest rates apply.

LMI

Only have a 10% deposit or equity? You won't pay LMI when buying or refinancing your home loan with Unloan, although a higher interest rate applies.

LMI is a one-off insurance cost that's typically charged when your deposit is less than 20%. Avoiding LMI could reduce your upfront costs and the total amount you need to borrow.

Learn more

Award-winning

Canstar Outstanding Value Variable Home Lender 2023–2026
Money Magazine Best-value flexible home loan 2025
Finder Awards 2025 Value Home Loan

Loved by customers. Recognised for outstanding value.

Our mission is simple: offer a low-rate home loan that's designed to put more money back in your pocket. It's why thousands of Australians choose Unloan. And why we've been recognised for outstanding value since 2023.

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Built by CommBank

Rest assured. We're 100% owned by CommBank, Australia's leading bank.

CBA shield

We're 100% owned by CommBank. We operate under their credit licence and leverage their modern banking technology. So you can rest easy knowing your Unloan is built and funded by Australia's leading bank.

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What are you looking to do?

  • I’m buying

    Buy a home with the benefit of an award winning home loan.

  • I’m refinancing

    Switch now and get the benefits of a rate that gets better and better.

  • Check a property

    Get listing details and calculate whether you can afford the property.

  • Refinance calculator

    Compare your current home loan with Unloan using our refinance calculator.

  • Repayments calculator

    Estimate what your monthly loan repayments could be.

  • Borrowing calculator

    See how much you could borrow and your estimated monthly repayments.

Loved by customers

Turns out Aussies love a home loan that’s easy to get and even easier to live with

“Communication is fantastic when I have needed to contact. App is easy to use. Rate is still very low compared to other lenders. We have topped up within last 12 months and process was so efficient. Would gladly recommend.”
Helen R, WA
“Online application. Fantastic customer support & service, received messages outside normal business hours. Really appreciated how smooth and quick the application process progressed to completion and settlement. Thank you.”
Philip B, TAS
“The rate is one of the best in the market, the process to refinance or top up was smooth and effortless, and our lending support specialist was a pleasure to deal with.”
Wayne R, QLD
“Simplicity and ease of use. I found the online team we have dealt with responsive and helpful, no waiting on the phone. Really happy with how streamlined this process was and stress free.”
Lisa J, WA
“Great service, quick turnaround and no fees? What's not to love? Can't fault these guys!”
Christopher C, QLD
“I loved how quick and easy the loan process was and it was all online so I did not have to take time off work for the loan process. I also really like that no fees are associated with the loan process and no ongoing fees. You make it an easy process and keep me informed.”
James N, VIC
“From start to finish, our home loan application has been so easy, all the staff we have had the pleasure of working with, have been so friendly, clear with information and there was never a problem that was too big and not solved so quickly and easily!”
Joshua P, WA
“The entire process, from start to finish, was incredibly smooth and straightforward. The team kept me informed every step of the way, providing clear communication and timely updates throughout. They made what is typically a complex and potentially stressful process feel simple.”
Fiona M, VIC
“Simple, payments in and out are fast, like super fast which is pretty much the best thing ever. I like that there is nothing complex to think about, you have your interest, your payment, and an easy app. Brilliant.”
Malcolm J, TAS
“Competitive rates and quality of service. Application process was very easy - communication with Unloan staff was great, they were very helpful”
Matthew E.S, NSW
“Simple. No frills, no fuss. Was super easy to get the loan application in and approved, all happened so quickly!”
Robyn B, VIC
“As I was recommended by a friend, I found the whole experience stress free and easy to understand from the beginning to the end of the process. In straight simple language that people would understand.”
James V, VIC
“I have found Unloan to be excellent, it’s easy to use, the app shows you exactly what your information is at a glance. The interest rates are competitive.”
Sylvia S, QLD
“Great rate and features including free redraw. Application and setup was fast and well guided. A+”
Daniel S, SA
“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!”
Kristy M, QLD
“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.”
Tania T, NSW

Supporting you every step of the way

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Hi there!
How can we help?

We pride ourselves on our service and are available to help 7 days a week.

Everything you want to know

ALL IN ONE PLACE
Buying a home or looking to make the switch? Let's undo the jargon and make home loans simple.
Learn with Unloan

In case you missed anything

We may be a good match for each other if:

  • You're refinancing or purchasing a home for up to 90% of the property value.
  • You’re 18 and over and have an Australian Drivers Licence or Australian Passport that is valid or expired within the last two years.
  • You earn a PAYG or self-employed income.

Learn more about our eligibility criteria.

We dislike fees as much as you do! That’s why we don’t charge any application fees, ongoing account fees, or exit fees.

Government fees may apply. Your current lender may charge an exit fee when refinancing.

We’re a fully owned division of CommBank meaning our home loans are built and backed with the financial strength and modern banking technology of CommBank, Australia’s leading bank.

Unloan’s mission is to provide a low-cost home loan that’s easier to take out and more rewarding to live with. As a digital-only home loan, Unloan is available exclusively via our website and our customer support is provided by our dedicated lending team based here in Australia.

Every year we’ll increase the loyalty discount on your variable rate current at the time by 0.01% p.a. (up to a maximum of 0.30% p.a. in year 30) on the anniversary of your settlement date. It’s our way of saying thanks for staying with us.

Please be aware that the variable reference rate is subject to change. The loyalty discount will be applied to your variable rate at the relevant time, and this rate may change over your loan term. This means that the variable rate used to calculate interest on your home loan may increase over the loan term, regardless of the loyalty discount.

We understand our responsibility to safeguard your privacy, and apply strict security and privacy controls in how we handle your information. To find out how we manage your personal information, please read our Privacy Policy.

Our application process is completely digital and designed to make your home loan experience easier. You can apply in minutes.

We’re available to chat between 8am to 6pm (AEDT) on weekdays and 10am to 6pm on weekends. Just look for the bubble icon located on the bottom right of your screen to start chatting with our team.

You can also email us at [email protected].

You may also want to check out our FAQs for more answers to common questions.

Unloan offers an unlimited redraw facility that lets you access extra repayments you’ve made on your home loan, above your minimum scheduled repayments.

View more FAQs

Apply in minutes

Join thousands of Australians taking control of their home loan.

Apply now

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.

^Rate shown is for up to 80% LVR and principal and interest repayments. All rates are for new loans only and may differ for existing loans.
Rates shown are inclusive of a 0.01% p.a. loyalty discount off our variable reference rate. On each anniversary of your loan’s settlement date, you will receive an additional discount of 0.01% per annum on your current variable rate, up to a maximum discount of 0.30% per annum in year 30. The loyalty discount is applied to your variable rate at the relevant time, and this rate may increase or decrease over your loan term. For more information view our rates and features.