The RBA increased the cash rate by 0.25% p.a. on 6 June 2023. We’re reviewing our rates and will have an update soon. Learn more

Apply in minutes

00:00:00

Applying for a home loan has never been this easy. The Unloan application experience is designed for simplicity and speed.

How to
apply in
6 steps

Digital smarts that make your application easier.

At Unloan, we believe in using the latest technology to make your home loan experience easier.

Automated
Property Valuation

We digitally assess your property's value using CommBank's industry-leading automated valuations technology.

Digital
Credit Check

We perform a credit check during your application and display the results for you to check, saving you time.

Digital
Financial Verification

(Coming soon) After you provide details of your income and expenses, we use Open Banking to digitally verify your financials.

Biometric
Identity Check

Don't worry about having to book appointments. We use modern biometric technology to confirm you are the person pictured in the ID you provide.

Digital
Signature

Unloan provides a digital home loan contract that is e-signed on your phone or desktop.

Digital
Settlement

Finalise your loan without the paper. In most cases, the entire settlement process can be completed on your favourite device.

There's plenty
‍more to love 

See all articles
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.

Our no fee promise
Redraw

Save interest
and redraw.

How redraw works
Reasons why your home loan application may be declined

There are occasions when we may not be the best fit for your requirements. Here's why.

Co-Borrowers and other Loan Structures

Need to add a co-borrower, or need to know what loan structures are accepted?

What Personal Information is Required on a Loan Application?

A handy guide on what documents you'll need when applying for an Unloan.

Calculations are not a loan approval. 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.

^Rates shown are inclusive of a 0.01% p.a. discount off our reference rate. On each anniversary of your loan’s settlement date, you will receive an additional discount of 0.01% per annum, up to a maximum discount of 0.30% per annum. 

*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.