Unloan Features

We've designed a home loan that's simple to understand, and easier to live with.

Home Loan Interest Rates

Live in

Variable rate:  % p.a. (with an Annual Discount^)
Comparison rate:  % p.a.*


Variable rate:  % p.a. (with an Annual Discount^)
Comparison rate:  % p.a.*

Please note we do not offer fixed rate loans.

Annual Discount

0.01% pa

For every year you hold your home loan, you'll receive an additional discount of 0.01% pa off the current interest rate, up to a maximum discount of 0.30% pa.^

Loan Amount

80% LVR

Your loan amount cannot exceed 80% of the value of the property you are financing.

Up to $10M

From $10,000 to $10,000,000.
Total borrowings per customer across all Unloan loans is limited to $10,000,000.

Loan Purpose


Switch to Unloan from an existing home loan to experience a rewarding home loan experience. You can apply in as little as 10 minutes and get a rate discount increase every year, up to a maximum of 0.30% p.a. Check your eligibility.

Buy a Home

Calculate your borrowing power and get property insights to calculate if you could afford to buy. Get guided support and make buying a home simple. Learn more here. Please note:

Additional Top Ups
Coming Soon

Want to top up additional funds after you got your Unloan? We have good news for those who might need additional funds at any time before the end of a fixed rate period. Top ups to existing home loans are coming soon.

Loan Configuration

Loan Term

Up to 30 years. Choose the number of years to suit you. Irrespective of the loan term you choose, you can always set a higher repayment or make additional one-off payments to pay off your loan sooner.

Repayment Frequency

Choose weekly, fortnightly or monthly repayments for your convenience.


If you’ve made additional repayments on your home loan (above your minimum scheduled repayments) you will be able to access these additional amounts at any time. Learn more


We currently do not offer offset accounts.

Automated Repayments

Use Unloan AutoPay for set loan repayments.

Principal and Interest Repayments

Principal and interest repayments only. You don't want to keep your loan forever, and we don't want that either! With principal and interest repayments, you will always be paying down your principal.

For more information read our FAQs

No Unloan Fees


Application Fees


Discharge Fees


Account Keeping Fees


Transaction Fees

Other third party fees may apply. Government charges may apply. Learn more about government fees here.

No Penalties


Additional Repayment Penalties


Redraw Penalties


Late Payment Penalties


Early Termination Penalties