See if we’re a good match
Ready to see if we’re the right fit? Here’s what we’ll check and what you’ll need.
About you
You’re at least 18 years old and live in Australia.
Identity documents
You have a valid Australian Drivers Licence or Australian passport.
Up to 2 borrowers
You’re applying by yourself or with one other co-borrower.
Loan amount
You have a loan-to-value ratio (LVR) of up to 80% for refinance or 90% for purchase and can cover any upfront costs.
Finances
You receive regular income to support your loan, are paid in Australian dollars and possess a good credit history.
Property
You’re applying for a residential or land loan to live in or as an investment (we don’t offer construction loans).
Your loan amount
Choose your loan purpose to see the requirements for your equity or deposit, loan amount
and upfront costs.
I’m refinancing
I’m buying
Deposit and LVR
You have a 20% deposit or sufficient income to support a loan with up to 90% LVR.
For loans with an LVR between 80.01% and 90%, a higher interest rate and Lenders Mortgage Insurance (LMI) will apply. In some cases, depending on the property’s location or type, an LMI premium may also be required for LVR between 70.01% to 80%.
Total loan amount
You’d like to borrow between $10,000 and $10,000,000 without Lenders Mortgage Insurance (LMI) or a maximum of $3,000,000 with LMI.
If you have multiple loans with Unloan, the total amount you can borrow across all of your loans is $10,000,000, unless your loans require LMI in which case the total amount you can borrow is limited to $3,000,000 across all Unloan loans.
Upfront costs
You can cover any upfront costs as part of buying a home such as stamp duty or conveyancing fees.
What are these upfront costs?
Guarantees, guarantors and government grants
First Home Buyer Grant
If you’re eligible for the First Home Buyer Grant, these funds can't contribute to your 20% deposit. Speak to your conveyancer on how to approach this.
Government schemes
We don’t participate in the Home Guarantee Scheme, Victorian Homebuyer Fund or other government home-buyer schemes.
Security guarantors
We’re unable to support home loans with a security guarantor (for example a family member who offers their own property as a security).
Equity and LVR
You have at least 20% equity in your property (LVR is less than 80%). We’ll help you with a property valuation.
Own your property outright and want to access your equity? You’ll be eligible to refinance with Unloan. Learn more
Total loan amount
You’d like to borrow between $10,000 and $10,000,000.
If you have multiple loans with Unloan, the total amount you can borrow across all of your loans is $10,000,000.
Upfront costs
You can cover a mortgage registration fee and any fees from your current lender including exit or break fees.
Your income and documents
Check what income we accept and the documents you’ll need to verify your income.
PAYG employment income
Casual or variable income
Self-employment income
Additional income sources
Any income you provide needs to be paid in Australian dollars.
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Your property
Property purpose and type
You’re planning to live in the property or it’s an investment.
You’re applying for a residential or land loan (we don’t offer construction or off-the-plan loans).
Property title
There is a maximum of two people listed on the title (we don’t accept properties held by a trust or company).
All listed owners on the title are Unloan borrowers.
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