We do not currently offer interest-only payments, but this may change in the future.

As well as one of the lowest variable rates in the market, Unloan customers get a 0.01% p.a. discount each year they are with us, up to a maximum discount of 0.30% per annum. To see how much you could save check out our savings calculator.

Applying for Unloan takes minutes. Learn more about the Unloan application process.

Because the Unloan home loan is a variable rate loan, the interest rate will vary over the life of the loan. You will still receive the increasing discount each year you are with us, up to a maximum of 0.30% per annum.

Unloan's increasing discount home loan gives you a 0.01% p.a. discount for each year that you are with us, up to a maximum discount of 0.30% p.a.

We do not currently offer fixed rate home loans, but this may change in the future.

Apart from our great variable home loan offer that comes with full-access, fee-free redraw transactions, Unloan does not offer other financial products. We are a home loan specialist focused on delivering the best possible home loan experience for our customers.

Unloan offers a great variable rate, an increasing discount, no Unloan fees and unlimited redraw. Learn more about the Unloan Home Loan

We don't offer conditional approvals or purchase home loans yet, but they are coming soon.

We are committed to keeping your personal information safe. Please read our Privacy Policy and How we manage security for more details on how we manage your personal information. If you have any queries or concerns about how we manage your personal information, please contact us at hello@unloan.com.au.

Unloan does not offer offset accounts.

Both traditional offset accounts and redraw reduce the interest charged on the the home loan by “offsetting” the outstanding balance by the amount stored in the account.

The main difference is that a offset account is a separate account with its own stand-alone BSB and account number. Redraw is part of the customer’s home loan account, meaning that it does not have a separate, stand-alone account number.

Our maximum loan size is $3M. (minimum refinance amount $10,000) Learn more about our Loan Features.

For now, we’re only offering refinancing, however, we hope to offer loans to new borrowers very soon.

You need to have at least 20% equity in your property (80% Loan-to-Value-Ratio). When you refinance your home with us, we’ll get an updated valuation of your property to make sure your LVR is 80% or less. Learn more about our eligibility requirements.

Unloan doesn't charge application, account-keeping, or exit fees. Our No Fee Policy

To find out if you are eligible for Unloan see our Eligibility Guide.