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could I borrow?

Calculate your borrowing power and get conditional approval so you can research homes with confidence.
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Get listing details and property insights including estimated value and property market insights.

Calculate your affordability

Get an estimate and calculate whether you could afford to buy a property.

Know your upfront costs

Understand your upfront costs including stamp duty, government fees and more.

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Buying a home or looking to make the
switch? Let’s undo the jargon and make
home loans simple.
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Award-winning value

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

“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
March 25, 2025

“Simple, easy to use app, great rate, no surprises. A home loan should always be this simple to service.”

David R
April 5, 2025

“The Unloan team were all too happy to help. They were so friendly and knowledgeable when answering questions around our loan.”

Jay T
April 6, 2025

“The refinance process has been so simple, with such fast approval, quick answers to questions and an amazing product. I can't fault the team, the process or the communication - I am so happy we went with Unloan.”

Kelly P
April 7, 2025

“Very efficient contact and always pleasant staff. Made the process very streamlined and simple. Couldn't fault a thing!”

Amanda H
April 8, 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
April 9, 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
April 10, 2025

“Extremely easy to refinance. Over the years I have refinanced with a number of banks, but Unloan has by far been the easiest!”

Kyle R
April 11, 2025

“Incredibly easy, simple and fast process!! I really appreciated the frequent communication via text and email as I am unable to take phone calls during work hours so could access information at a time convenient to my situation. App is also incredibly easy to navigate.”

Narelle T
April 12, 2025

“Competitive rates and ease of the process.  Very simple and would recommend everyone have a look and see how much better their rate could be.”

Stuart S
April 15, 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
April 14, 2025

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

Robert E
April 13, 2025

In case you missed anything

We may be a good match for each other if:

  • You're refinancing or purchasing a home for up to 80% of the property value. If you're purchasing we may be able to lend you up to 90% of your new home's value with lenders mortgage insurance.
  • You’re 18 and over and have an Australian Drivers Licence or Australian Passport that is valid or expired within the last two years.
  • You earn a PAYG or self-employed income.

Learn more about our eligibility criteria.

We dislike fees as much as you do! That’s why we don’t charge any application fees, ongoing account fees, or exit fees.

In certain circumstances you may be required to pay a Lenders Mortgage Insurance (LMI) premium. Learn more about why this is applied and how it works . Government fees may also apply. Your current lender may charge an exit fee when refinancing.

We’re a fully owned division of CommBank meaning our home loans are built and backed with the financial strength and modern banking technology of CommBank, Australia’s leading bank.

Unloan’s mission is to provide a low-cost home loan that’s easier to take out and more rewarding to live with. As a digital-only home loan, Unloan is available exclusively via our website and our customer support is provided by our dedicated lending team based here in Australia.

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.

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.

Our application process is completely digital and designed to make your home loan experience easier. You can apply in minutes.

We’re available to chat between 8am to 6pm (AEST) on weekdays and 10am to 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.

Unloan offers an unlimited redraw facility that lets you access extra repayments you’ve made on your home loan, above your minimum scheduled repayments.

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General

*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.

^Other third party fees may apply. Government charges may apply.

**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.

†For loans with a Loan-to-Value ratio (LVR) between 80.01% and 90%, a Lenders Mortgage Insurance (LMI) premium and a higher interest rate apply. For more details, refer to the Lenders Mortgage Insurance (LMI) and high-interest rate links above. In some cases, depending on the property's location or type, LMI may also be required for LVR between 70.01% to 80%. LMI protects us (not you) against potential losses if you can’t repay your loan. If the security property is sold and the proceeds are insufficient to fully repay the loan, we may recover the outstanding amount under our LMI policy. The LMI provider may seek to recover this amount from you, as you are still responsible for repaying the entire loan. The LMI fee reimburses us for our insurance cost, is part of the total loan amount, and is non-refundable.

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Borrowing calculator

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.

An LMI premium and higher interest rate apply to loans with an LVR of greater than or equal to 80.01%. Where an LMI premium amount is shown this is indicative only. An LMI premium may also apply to some loans with an LVR less than 80.01% depending on the size of your deposit, security, applicant, and loan attributes.

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.

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 Lenders Mortgage Insurance (LMI), stamp duty or government fees). For loans with a Loan-to-Value ratio (LVR) between 80.01% and 90%, an LMI premium and higher interest rate may apply. In some cases depending on the property’s location or type, LMI may also be required for LVR between 70.01% and 80%. Any of these additional amounts may impact how much you can borrow and 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.

**This figure represents the rate/repayment applicable in the final year of the loan, should the loan remain in place for the full term selected and assumes the reference rate will not change for the life of your loan, which is unlikely to be the case. 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.