unordinary home loans
A new kind
of home loan that
saves you more.
We believe loyalty should be rewarded. That's why every Unloan gets an additional 0.01% p.a. discount — every single year^.
Everything you need.
Nothing you don't.
A home loan that works harder for you. Minus the fees
and frills you can do without.
Application Fees
Banking Fees
Account Fees
Change Fees
Exit Fees
Say no to fees.
Save interest
and redraw.
Let's crunch
the numbers.
6 easy steps.
And done.We've used the latest technology to make your application experience faster and easier.
Step one
Add your propertyLook up your castle, add it, and presto.
Step two
Add your detailsAnd any other borrowers you're applying with.
Step three
Add your incomeThe one time it’s not rude to talk about money.
Step four
Add your expensesFood, bills, utilities, you know, life stuff.
Don’t worry, we’ve made it really easy for you.
Step five
Add your debtsAnd any loans or liabilities you may have.
Big or small, let us know.
Built by Australia's leading bank.
Everything you want
to know in one place
Got a question?
Ask us anything.
In case you
missed anything.
Am I eligible to apply for an Unloan home loan?
We may be a good match for each other if:
- You’re refinancing a residential property for up to 80% of its current 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.
Are there really no fees?
We dislike fees as much as you do! That’s why we don’t charge any application fees, ongoing account fees, or exit fees.
Whether you're buying a home or refinancing to Unloan, the only fees you'll see are the mandatory government fees*. Learn more about government fees here.
*Other third party fees may apply.
What is Unloan's relationship to CommBank?
We’re a fully owned division of CommBank. Unloan’s mission is to provide a low-cost home loan that’s easier to get and more rewarding to live with.
As a digital-only home loan, Unloan is available exclusively via this website, and customer support is provided by Unloan’s dedicated lending team.
How does Unloan's annual discount bump work?
For every year your home loan is active, we’ll increase the discount by another 0.01% p.a.^ No negotiation, no follow ups. You just get an increased discount every year. Automatically.
It’s our way of saying thanks for staying with us.
How does Unloan make sure my data and personal information is safe?
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.
What does the application process look like?
Our application process is completely digital and designed to make your home loan experience easier. You can apply in minutes.
What if I need to get in touch with someone?
We’re available to chat between 8am to 6pm (AEST) 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.
Can I offset interest in my Unloan account?
Unloan offers an unlimited redraw facility that lets you access extra repayments you’ve made on your home loan, above your minimum scheduled repayments.