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The RBA Cash Rate Explained: How It Affects You

RBA charges a rate on unsecured overnight loans between banks. The RBA cash rate increase is to balance the economic stability. Here’s how it may affect you.
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Your Step-by-Step Guide to Buying a Home

We explain the essential steps, from financial assessment to settlement, tailored for first-time buyers to navigate the market confidently. Get pre-approval tips, property search strategies, and make your homeowner dreams a reality.
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Unloan’s Expert Guide to Refinancing Your Home Loan

Refinancing your home loan can open up a world of opportunities. To help you with the process, we’ve pulled together our very own expert guide to refinancing your home loan.

Beginner's guide to home loans

You might be wondering, what is LVR (Loan-to-Value Ratio)? It’s the borrowed amount relative to the value of the property being bought or refinanced.
Borrowing power is how much a lender is willing to loan you based on several factors.
Everything you need to know about stamp duty.
Before you take on a mortgage, here’s what you should know about variable rate home loans.
Everyone's financial needs differ. With many mortgage types, whether you're renovating or seeking a lower rate, there's a fit for you.
What's classified as income and what to do if your income changes.

Switching to Unloan

We’ve put together a guide on the ineligible property types based on our lending standards so you can understand how we assess properties at Unloan.
Refinancing your home loan can be tedious. Here is a checklist required documents to facilitate your refinancing process.
At Unloan, we offer one simple low variable rate that gets better and better, every year.
We help you understand the fees for home loan refinancing, including discharge, break costs, and government charges to calculate to help you with your decision with refinancing your home loan.
Refinancing your home loan can unlock a range of great benefits. But there are some instances when it makes more sense to refinance than others, so when is the best time?

Buying a home

When it comes to buying a home, it can be easy to get caught up in all the jargon that’s used. Conditional and unconditional approval are two phrases worth being across.
In the property market, terms such as ‘property appraisal’, ‘estimated property value’ and ‘property valuation’ may seem similar, but they have key differences.
Discover strategies that could help you find your ideal home within the budget based on your conditional loan approval.
Navigate the diverse property options in Australia with our guide, covering off the plan purchases, house and land packages, apartments, and established homes, tailored to your lifestyle and budget.
To help you on your home-buying journey, we’ve pulled together a list of the top things to avoid when buying your first home.
It can be tricky to know whether you’re better off buying or renting. If you’re weighing up the pros and cons between renting vs buying, here are a few important points worth considering.

More questions?
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The fun way to learn
From hot auction tips to all things refinancing, this series will put a smile on your dial and answer your questions in under 60 seconds.
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Am I eligible to apply for an Unloan home loan?

We may be a good match for each other if:

   - You’re refinancing a residential property for up to 80% of its current value

   - You’re 18 and over and have an Australian Drivers Licence or Australian Passport that is valid or expired within the last two years

   - You earn a PAYG or self-employed income

Learn more about our eligibility criteria.

Are there really no fees?

We dislike fees as much as you do! That’s why we don’t charge any application fees, ongoing account fees, or exit fees.

Whether you're buying a home or refinancing to Unloan, the only fees you'll see are the mandatory government fees*. Learn more about government fees here.

*Other third party fees may apply.

What is Unloan's relationship to CommBank?

We’re a fully owned division of CommBank. Unloan’s mission is to provide a low-cost home loan that’s easier to get and more rewarding to live with.

As a digital-only home loan, Unloan is available exclusively via this website, and customer support is provided by Unloan’s dedicated lending team.

How does Unloan's annual discount bump work?

For every year your home loan is active, we’ll increase the discount by another 0.01% p.a.^ No negotiation, no follow ups. You just get an increased discount every year. Automatically.

It’s our way of saying thanks for staying with us.

How does Unloan make sure my data and personal information is safe?

We understand our responsibility to safeguard your privacy, and apply strict security and privacy controls in how we handle your information. To find out how we manage your personal information, please read our Privacy Policy.

What does the application process look like?

Our application process is completely digital and designed to make your home loan experience easier. You can apply in minutes.

What if I need to get in touch with someone?

We’re available to chat between 8am to 6pm (AEST) on weekdays and 10am to 6pm on weekends. Just look for the bubble icon located on the bottom right of your screen to start chatting with our team.

You can also email us at [email protected].

You may also want to check out our FAQs for more answers to common questions.

Can I offset interest in my Unloan account?

Unloan offers an unlimited redraw facility that lets you access extra repayments you’ve made on your home loan, above your minimum scheduled repayments.

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