Beginner’s Guide to Home Loans

Hot topics

Hot topic #
01

What is loan to value ratio (LVR)?

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.
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Hot topic #
02

What is equity?

Everything you need to know about equity, from how to build it and what it's used for.
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Hot topic #
03

What is a discharge fee?

We explain what a discharge fee is, when it's required and what the process of discharging your home loan looks like.
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History of mortgage rates in Australia & where they might go
Here’s a quick look at Australia’s interest rate history and where they are predicted to go in the coming months.
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Choosing the right home insurance for your new home
It’s important to think about what insurance you’ll need to protect your new home. Here’s everything you need to know about choosing home insurance as a new home buyer.
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Should I be making additional repayments on my mortgage?
If you find yourself with a few extra dollars, it could be worth paying extra towards your home loan. Find out more about how paying extra on your mortgage could save you.
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What is home equity and what are some ways to use it?
You would be slowly building up the equity in your home as you chip away at your mortgage. Let’s take a deeper look at home equity and how you can use it.
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10 things you may have not known that you could do with a home loan top up
If you’re wondering, ‘What can I do with equity in my home?’ or ‘Can I use equity to buy a car’, we’ve pulled together a list of 10 things you can do with a home loan top-up.
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10 things to consider when managing increased mortgage costs
If you feel like your home loan is starting to get away from you, we’ve pulled together a few strategies you can consider to help you manage your mortgage.
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^ 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.