Top ups

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A handy guide to home loan top ups
Could a home loan top up help you deal with life’s unexpected expenses? Discover how top ups work and how you can benefit.
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5 things you may not know about home loan top ups
If you think topping up your home loan might be the right move for you, here are a few points worth knowing about increasing your mortgage that you might not be aware of.
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What is a home loan top up?
If you’ve built up a bit of equity in your home, you might be able to use it to increase or top up your home loan. Here’s how a loan top up works.
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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.