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

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 Outstanding Value Award
2023, 2024, 2025

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

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

"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.
Dec
2025

"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.
Nov
2025

"Unloan is a stand out service to total communication methodology, including online, mobile app, email, SMS & direct conversation with home loan specialists is always clear & readily understandable."

Joanna D.
Oct
2025

"The efficiency, simplicity, professionalism, and friendly support provided throughout the application were greatly appreciated, making the journey from initial inquiry to completion seamless and stress-free."

Minh P.
Oct
2025

"The settlement process was incredibly smooth - by far the most seamless experience I’ve had. Every step was clearly communicated, timelines were met without stress, and the entire process felt efficient and well-supported. I was genuinely impressed by how easy it was from start to finish."

Emma A.
Aug
2025

"The application process was easy to complete within our Unloan app. We found customer service was super efficient and nothing was an issue. I wish we had refinanced to them sooner. Also love that they offer one of the lowest interest rates available."

Helen R.
Aug
2025

"Love the simplicity of the product and the lowest interest rate on the market plus the annual interest rate discount. I don't need bells and whistles, I need to pay off my loan as quickly as I can."

Sladjana D.
Aug
2025

"Everything seems easy with Unloan. I can draw money out instantly to my bank account when needed, meaning I don't even need an offset account. Redraw is perfect. Market leading rates and a sense of fun, no unnecessary frills. Very happy!"

Daniel S.
Jul
2025

"Not only is the rate offered very competitive, but the process to apply had a very personal touch. Very quick responses to assist us throughout the process. We are very excited to have moved to Unloan."

Carlos H.C.
Jul
2025

"Easy process with good communication via email or text. Loan terms are simple reducing confusion. App is easy to use and has great features which you can action yourself i.e changing thenumber of approvers, repayment features and funds transferred in/out are quick (same day)."

Jacklyn W.
Jul
2025

"I liked everything about Unloan from the interest rates, to the ease of application and communication from your staff. Everything was so simple and the process was quick too. I’ve already recommended Unloan to many friends and clients."

Jodie P.
Jun
2025

"The application process was easy and simple. Communication was also fast and questions were answered quickly. You have your customers interests at heart and we felt like customers instead of a number. We really found this simple and stress free."

Melissa M.
Jun
2025

"Very responsive via email and SMS channels. I am very surprised how good the experience is given this is a fully online service."

Eng Hooi T.
Jun
2025

"Couldn't believe how easy and efficient the process has been from start to finish. Truly as easy as it gets."

Andy H.
May
2025

“I love the security of Unloan being part of the Commonwealth Bank. Interest rates are fantastic! The app is easy to navigate & loyalty interest rate discount is a great incentive. I actually can't think of anything you could do better. Great product!”

Lisa Q.
Apr
2025

“Usually people use a Broker, but I was able to do it myself. The whole process went smoothly and quite quickly.”

Robert E.
Apr
2025

“Good communication, easy to understand and clear instructions on what information was required. This is the second time we have chosen Unloan with no regrets first time around (very easy to deal with), and happy to be returning to Unloan.”

Allison B.
Apr
2025

“The ease of moving over from another institution to Unloan and the friendly efficient staff who made the experience an easy transition. We have saved heaps as well but we are excited to be with Unloan. Thanks for making the experience painless at our age.”

Joseph F.
Apr
2025

“The ease and simplicity of applying for a loan, the fabulous staff and of course Unloan - a simple loan with awesome rates. Even though mortgages and applications are generally anxiety-inducing, I found this loan the easiest and least stressful ever.”

Russell G.
Mar
2025

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.