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Refinance calculator

Compare your current home loan with Unloan using our refinance calculator

Refinance calculator

Borrowing calculator

Repayment calculator

Stamp duty calculator

5.80% p.a. comparison rate*
$
% p.a.
Example rate only. Enter your current interest rate.

Estimated savings based on your inputs

$45,013

Variable rate

5.89 % p.a.

Comparison rate*

5.80 % p.a.

Over the life of your 30 year loan, based on the current variable rate, including a loyalty discount that increases by 0.01% p.a. each year up to a maximum of 0.30% p.a. in year 30. Assumes variable rates remain unchanged over the selected loan term, except for the Unloan loyalty discount increasing by 0.01% p.a. each year (up to a maximum of 0.30% p.a.). Variable rates may change.

Estimated loan breakdown

Minimum monthly repayments

Current
$3,347
Unloan
$3,259

Unloan repayments include a 0.01% p.a. loyalty discount in year 1, increasing to 0.30% p.a. loyalty discount in year 30.

Total loan repayments

Current
$1,204,990
Unloan
$1,159,977

Principal and interest repayments over the life of your loan.

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Interest rate balance illustration

How are interest rates determined?

25 Nov 2025 | 4 minute read

In case you missed anything

We calculate your monthly home loan repayment by considering the following factors:

  • The total loan amount.
  • The estimated total interest charged over the loan term (until the loan settlement date).
  • The annual rate discount that increases every year (up to 30 years).

We divide that total amount by up the length of your loan term to determine your monthly repayment.

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.

You'll be able to see:

  • An estimate of your minimum monthly principal and interest repayments by refinancing to Unloan.
  • What changes could occur if you make additional repayments.
  • An illustrative example of how much interest may be saved by refinancing to Unloan based on assumptions.
  • An example of how our annual loyalty discount may work over the life of your loan based on assumptions.

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.

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.

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.

General

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. Your actual repayments and savings will change if our variable reference rates change.

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 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.

^Rate shown is for up to 80% LVR and principal and interest repayments. All rates are for new loans only and may differ for existing loans. Rates shown are inclusive of a 0.01% p.a. loyalty discount off our variable reference rate. On each anniversary of your loan’s settlement date, you will receive an additional discount of 0.01% per annum on your current variable rate, up to a maximum discount of 0.30% per annum in year 30. The loyalty discount is applied to your variable rate at the relevant time, and this rate may increase or decrease over your loan term. For more information view our rates and features.