One simple low rate.

A discount that gets
better and better.

Apply in minutes.

Built by CommBank.

Watch the Film

The first home loan with an increasing discount.

With Unloan, you don't just start with a low variable rate — you also receive an extra 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.

Annual rate discount

Get a rate discount. Every. Single. Year.

How the discount works

Application Fees

Banking Fees

Account Fees

Change Fees

Exit Fees

Say no to fees.

Built by Australia's leading bank.

Hi there. How are your rates so low?
We're a digital home loan. This allows us to pass more value back to you.
Nice. How can I switch to Unloan?
Tap the 'Refinance Now' button to get started. If you have any questions, I'm here to help.
👍 All done!

Got a question?
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Save interest and redraw


When life changes, we'll change with you.

Easy to apply

Apply in as little as 10 minutes.

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In case you missed anything.

Are there really no fees?

That's right, there are no fees from Unloan. We dislike fees as much as you do! However, there are some mandatory Government costs (approximately $260-$440 depending on your State) when switching your home loan. For your convenience, we add this amount to your loan balance on settlement.

What documents do I need to apply?

Most customers only need paperwork to verify their income. Usually everything else in the application can be done digitally. Acceptable Documents

Can I manage Unloan from my CommBank App?

Unloan's home loans can only be managed via the Unloan app. Unloan home loans are not available in the CommBank app, branches or call centres.

What if I need to get in touch with someone?

SMS us on +61 488 844 877 or email us at hello@unloan.com.au anytime. An Unloan lending specialist will get back to you as soon as possible.