Let's crunch the

Higher interest rates typically mean your borrowing power will be reduced as your repayment costs will increase.
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Learn more about how interest rate changes impact your repayments here.

Whether they're big or small, any existing debt or financial commitments you regularly put your income towards could impact your ability to make repayments on your loan.

These include credit cards, existing home loans, personal loans, HECS-HELP and more. Learn more about how your debt and expenses impact your borrowing power here.

Yes, your employment type will impact your borrowing power. Your employment and job stability can help determine how likely you'll be able to make repayments on your loans.

There are a number of factors that may affect your borrowing power including:

• Your income
• Your debts and expenses
• Your type and length of home loan term

For more information, click here.

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.

You’ll be able to see:

• An estimate of your minimum monthly principal and interest repayments by refinancing to Unloan
• What changes occur if you make additional repayments
• An estimate of how much interest you could save by refinancing to Unloan
• How our annual discount works over the life of your loan

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The calculations on our refinance home loan calculator and mortgage interest calculator are an estimate provided as a guide only. They are calculated based on our current advertised interest rate and assume this rate continues for the life of the loan until the loan settlement date is reached. Interest rates may change at any time.

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Calculations are not home loan approvals. 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.

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As the refinance home loan calculator has been provided without considering your objectives, financial situation or needs, you should consider the appropriateness of any outcomes to your circumstances, and seek independent advice as required. Take note that our calculations do not consider product features or grants.

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Choose what type of loan you’re looking at calculating the repayments for, whether for live-in (owner-occupied) loans or investment loans. Enter the loan amount, loan term, and the other rate you compare our rate to.

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The visual graph provides a comparison between the Unloan rate including the annual discount that increases every year (up to 30 years) and the other loan's interest rate. Underneath the graph, it will showcase an estimate of what you could save over the life of your loan when refinancing to Unloan.

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Please note that these calculations are an estimate provided as a guide only. They are calculated based on our current advertised rate and assume this rate continues for the life of the loan. Interest rates may change at any time.

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Choose what type of loan you’re looking at calculating the repayment amount and repayment frequency for, whether for a live-in (owner-occupied) loan or an investment loan. Enter the loan amount, loan term, and if you’re making any additional repayments. These factors will affect the minimum repayment amount.

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The visual graph will provide an estimate of what you could save on your loan balance every year when refinancing to Unloan.

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Please note that these calculations are an estimate provided as a guide only. They are calculated based on our current advertised rate and assume this rate continues for the life of the loan. Interest rates may change at any time.

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We take your loan amount, add the total estimated amount of interest we charge over the life of the loan (until the loan settlement date), apply the annual rate discount that increases every year (up to 30 years), and then divide that total up into a monthly amount, based on the length of your loan term.

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Please note that these calculations for home loans are based on our current advertised rate, and assume this rate continues for the life of the loan. Interest rates may change at any time.

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