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Home loans made simple

Hot topics

Hot topic #
01

What does the term interest mean?

Interest represents the cost you pay to borrow money from a lender. There are four factors that determine how much you pay.
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Hot topic #
02

What is equity?

Equity is the difference between the value of your property and the amount you still owe on your home loan.
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Hot topic #
03

Conditional approval from multiple lenders

Seeking conditional approval can give you the flexibility to compare loan terms and find the best fit for you.
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Buying a home

7 tips for bidding at an auction
When preparing for an auction, here are some tips to help you secure your dream home.
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What is a conditional pre-approval?
A conditional pre-approval is an estimate from the lender, indicating what you might be able to borrow.
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How long a conditional approval lasts
Conditional approval typically last between three to six months, giving you time to find your perfect home.
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Buying a Home Part One
Whether you're a first-time buyer or looking to invest, here are three things to consider when buying a home.
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Buying a Home Part Two
Whether you're a first-time buyer or looking to invest, here are three things to consider when buying a home.
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Conditional approval from multiple lenders
Seeking conditional approval can give you the flexibility to compare loan terms and find the best fit for you.
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Switching to Unloan

What happens when your fixed rate ends?
As your fixed-rate ends, you can explore new fixed rates, renegotiate, or refinance with other banks and lenders.
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How can I apply as a CommBank customer?
Unloan is built by Australia's leading bank, CommBank. You can apply via our website
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What does refinancing mean?
It’s when you replace your existing mortgage with a new one. Wave goodbye to your old loan terms and switch to a new home loan.
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Beginner's guide to home loans

What is stamp duty?
Stamp duty is a general tax imposed by the state government on the purchase or transfer of almost any real estate.
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What is a settlement date?
It’s the day your new lender takes possession of your home's title deeds from your old lender.
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What is LVR?
LVR is the amount of money borrowed in proportion to the value of the property being purchased or refinanced.
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What does the term principal mean?
Principal is the amount of money you’re looking to borrow from your bank or lender, which you’ll then need to pay back
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What is LMI?
LMI, also known as Lender’s Mortgage Insurance, protects lenders in the event that aborrower can’t repay their mortgage.
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What is your borrowing power?
Borrowing power is how much a lender is willing to loan you based on several factors.
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Calculations are not a loan approval. Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Full terms and conditions will be set out in our loan offer, if an offer is made.

^ Unloan offers a 0.01% per annum discount on the Unloan Live-In rate or Unloan Invest rate upon settlement. On each anniversary of your loan’s settlement date (or the day prior to the anniversary of your loan’s settlement date if your loan settled on 29th February and it is a leap year) the margin discount will increase by a further 0.01% per annum up to a maximum discount of 0.30% per annum. This discount is applied to each loan that you have with Unloan. If you have multiple loans (e.g. one investor and one live-in loan), they will each have a discount calculated based on when you settled each loan. Unloan may withdraw this discount at any time.

*Comparison rate is calculated on a $150,000 secured loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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