Unloan Features
We've designed a home loan that's simple to understand, and easier to live with.
Home Loan Interest Rates
Variable rate: % p.a. (with an Annual Discount^)
Comparison rate: % p.a.*
Variable rate: % p.a. (with an Annual Discount^)
Comparison rate: % p.a.*
Annual Discount
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
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.
Buying a home? You can join the waitlist here. You’ll be the first to know when we launch, and could get early access to apply.
Please note:
- We do not offer construction loans (including off the plan) at this stage.
- We do not participate in the Home Guarantee Scheme, Victorian Homebuyer Fund or other government home-buyer assistance schemes.
- If you are eligible for the First Home Buyer Grant, these funds can't contribute to your 20% deposit. Please speak to your conveyancer on how best to approach this.
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
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. Unloan does not offer offset accounts. Learn more
Use Unloan AutoPay for set loan repayments.
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