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How Are Interest Rates Determined?

How do lenders set home loan interest rates and what are their lending costs?

Beginner's guide to home loans

Get to know the differences between interest rates and comparison rates and make a smarter choice about your home loan.
We break down what determines the interest you'll pay and how to calculate it.
Before you take on a mortgage, here’s what you should know about variable rate home loans.
A discharge fee is required when you pay off your mortgage or switch lenders.
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.
How do lenders set home loan interest rates and what are their lending costs?
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.
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.

Switching to Unloan

Interest rates are up but it’s very possible you can give yourself multiple rate cuts… immediately.
At Unloan, we offer one simple low variable rate that gets better and better, every year.
Thinking about refinancing your home loan and want to know the benefits? Here's six!
As a homeowner, there’ll be times when refinancing your home loan just makes sense. With that said, it can often be tricky to know when the best time to refinance is. Here are scenarios to consider when assessing whether to refinance.
We explain how much equity we'll need to determine if we're the best fit for you.

Buying a home

There are occasions when we may not be the best fit for your requirements. Learn how to calculate LVR for your property.
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.
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.
We explain what conditional approval is and how it could come in handy when it comes time for you to buy a property.
Besides your deposit, there are other upfront costs associated with buying a home that need to be factored into your budget.
There are a few options if your savings balance isn’t quite there yet.
Owning a home comes with a range of ongoing costs that you’ll need to budget for – here's six to consider.

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–8pm (AEDT) on weekdays and 10am–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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