Unloan Features

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.

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.^

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

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

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.

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:

• 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.

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.

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.

Use Unloan AutoPay for set loan 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

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.

Additional Repayment Penalties

Redraw Penalties

Late Payment Penalties

Early Termination Penalties