How much
could I borrow?

Calculate your borrowing power and get conditional approval so you can research homes with confidence.

Check a property.

Get property insights and calculate if you could afford to buy.
Get property insights

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, estimated deposit and more.

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^.

Chat to us

Got a question?
Ask us anything.

Understand your eligibility
Check and submit your application
Get support every step of the way
Get conditional approval in minutes
  • 5 easy steps.
    And done.

    We've used the latest technology to make your application experience faster and easier.
  • Step one
    Add your details

    Add the borrowers you're applying with.
  • Step two
    Add your income

    The one time it’s not rude to talk about money.
  • Step three
    Add your expenses

    Food, bills, utilities, you know, life stuff.
    Don’t worry, we’ve made it really easy for you.
  • Step four
    Add your debts

    And any loans or liabilities you may have.
    Big or small, let us know.
  • Step five
    You're conditionally

    Search for the right home and buy a house with confidence.

Our tips for buying your dream home.

In case you
missed anything.

How does the borrowing calculator work?

Borrowing calculators estimate how much you are able to borrow while taking into consideration a number of factors:

  • Are you borrowing by yourself or with someone else?
  • What is your income?
  • What debts, liabilities and expenses do you have?
  • What are your loan terms? For eg: 30 years.

Am I eligible to apply for an Unloan home loan?

We may be a good match for each other if:

   - You’re refinancing a residential property for up to 80% of its current value

   - 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.

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.

What is Unloan's relationship to CommBank?

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

How much can I borrow?

Everyone's borrowing power is different. You can use an online borrowing calculator (like ours!) to get an indication of how much you might be able to borrow.

What is Unloan's Check A Property Tool?

Our Check A Property tool is designed to assist you in your home-buying experience. It provides property details on properties you may be interested in that includes:

  • Listing details
  • Property features
  • Auction details
  • Estimated property value
  • Property history
  • Local market activity

It also helps you estimate your affordability to buy properties you may be interested in, based on information you enter. To learn more about our Check A Property tool, check out our how-to guide.

What is the affordability widget?

The affordability widget can help you estimate whether the property you’re researching is within your budget. Based on the information you enter, you’ll get an estimate of:

  • The LVR required and how much deposit you’ll need
  • The upfront costs including stamp duty, estimated conveyancing costs, etc.
  • The fees including government fees
  • How much you may need to need to borrow to purchase the property
  • What your monthly repayments could look like

This helps you assess your overall affordability towards your selected property.

Learn more about the affordability widget.