About us

We’re Unloan, a multi award-winning Australian digital home loan built by CommBank.

Canstar award image
Money Magazine Best-value flexible home loan 2025
Finder awards 2025 Value Home loan
Mozo Experts Choice 2025 Low Cost Home Loan
WeMoney winner Best for value varaiable home loan (Banking) 2025 award
Canstar award image
Money Magazine Best-value flexible home loan 2025
Finder awards 2025 Value Home loan
Mozo Experts Choice 2025 Low Cost Home Loan
WeMoney winner Best for value varaiable home loan (Banking) 2025 award

Who we are

Our mission is simple, create a low-rate home loan that’s designed to put more money back in your pocket.

  • Over

    19,000

    Australians have
    Unloan-ed their
    home loan.
    As of Feb 2026

    Helping thousands of Australians save more

    We want to put more money back in your pocket. That’s why we have no Unloan fees+ and an automatic loyalty discount that gets better each year.

  • Digital first with human support when you need

    We’re digital-first with an online application that can be completed in minutes. And you’ll be supported by a team of experts based in Australia.

  • 100% built and owned by CommBank

    We’re 100% owned by CommBank. So when you take out a loan with us, it’s supported and funded by CommBank, Australia’s leading bank.  

Award-winning value

We’re committed to making home loans the way they should be. Outstanding value. Simple to get. Easy to live with.
Canstar award logo
Canstar award logo
Canstar award logo
Canstar award logo

Canstar Outstanding Value Award
2023, 2024, 2025, 2026

Finder awards 2025 Value Home loan
Finder awards 2025 Value Home loan
Finder awards 2025 Value Home loan
Finder awards 2025 Value Home loan

Finder Value Home Loan, Refinance
Variable, Owner Occupier P&I Variable

2025, 2026

We Money award logo
We Money award logo

Money Magazine Best Value Flexible
Home Loan and Investment Loan 2025

Mozo award logo
Mozo award logo

Mozo Low Cost Home Loan
2024 and 2025

WeMoney winner Best for value varaiable home loan (Banking) 2025 award
WeMoney winner Best for excellent rates and fees 2025 award
WeMoney winner excellent rates and fees (variable) 2024 award

WeMoney Best for Value and Excellent
Rates and Fees (Variable)
2024, 2025

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

Discover more about Unloan

  • Crunch the numbers

    Your home loan maths sorted. Get a view of your borrowing power, repayments, savings and upfront costs.
  • Unloan features

    Everything you need. Nothing you don’t. See what you’ll get with Unloan
  • Check your eligibility

    Check our eligibility criteria and see if we’re good match.

In case you missed anything

Unloan is not available from CommBank branches or call centres. Even though we’re close friends with CommBank, our home loan offerings aren’t available through CommBank. Unloan is a digital, unbundled home loan that is exclusively available via our website via our web application.

Unloan only offers home loans online and direct-to-customer, meaning we don’t need to factor broker commissions or branch costs into our rates.

Apart from our great variable home loan offer that comes with full-access, fee-free redraw transactions, Unloan does not offer any other financial products. We specialise in home loans only and are focused on delivering the best possible home loan experience for our customers.

Get a home loan that
saves you more

Start an application in minutes and get approved fast.