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

Buying a home? Let Unloan help you find your dream home. Calculate your borrowing power or ask us for a free property report with property details, estimated value and market insights.  

Want to be the first to know when we launch? Join the waitlist and we’ll be in touch. You could get early access to apply for a purchase home loan with Unloan, and get guided support from our Property Coaches.

Join the waitlist

Budget

Calculate your borrowing power and apply for conditional approval, so you can search for the right home with confidence.

Research

Get the low down on your dream home with a property report including property details, estimated value and market insights.
Request a property report

Buy

Whether it’s your first-time, or you’re a seasoned bidder, here’s your guide to auctions and some things to expect. Let us help you.
Guide to auction bidding

Settle

We’ll keep you informed and help you prepare for settlement.
Talk to a Property Coach

Move in

Time to move into your new home? Here’s a checklist that can help you cover some of the important things in the lead-up.
Checklist for moving house

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^.

Future interest rates are for illustration only. Interest rates can change. The discount^ will be applied to the relevant reference rate at the time.

Check borrowing power

Be the first to know

Want to know when we launch? Join the waitlist and we’ll be in touch. You could get early access to apply for a purchase home loan with Unloan, and get guided support from our Property Coaches. Learn more about our eligibility criteria here and our Home Loan
features here.
Join the waitlist
Chat to us

Got a question?
Ask us anything.

Understand your eligibility
Check and submit your application
Get support every step of the way
Start chatting

In case you
missed anything.

What is Unloan's relationship to CommBank?

We’re a fully owned division of CommBank. Unloan’s mission is to provide a simple, 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.

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.

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.

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.

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.

What if I need to get in touch with someone?

We’re available to chat between 8am–8pm (AEDT) on weekdays and 10am–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.

A new kind of home loan

See all of Unloan's features

Learn hub

Visit our learn hub

Calculations are estimates provided as a guide only. They are calculated based on our current advertised variable rate, and assume this rate continues for the life of the loan. Interest rates may change at any time.

Should you take out a home loan with Unloan, discounts applied during the life of the loan will be applied to the relevant reference rate at that time.

Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as stamp duty or government fees). Any of these additional amounts will increase repayments under the loan.

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.

*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.