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You can refinance your home loan to Unloan in six simple steps. When you switch to Unloan, for every year you hold your home loan, you’ll receive a loyalty discount of 0.01% p.a. off the current interest rate, up to a maximum discount of 0.30% p.a every year, up to 30 years**.

There are also no application, discharge, account keeping or transaction fees. In certain circumstances you may be required to pay a Lenders Mortgage Insurance (LMI) premium. Learn more about why this is applied and how it works. Government fees may also apply. Your current lender may charge an exit fee when refinancing.

If you're looking to purchase a home, visit our dedicated Buy A Home page for more information. You can calculate your borrowing power and get property insights to calculate if you could afford to buy.

Chat to us online to get guided supported and make buying a home simple.

From $10,000 to $10,000,000.

Total borrowings per customer across all Unloan loans is limited to $10,000,000.

(For an Unloan home loan with Lenders Mortgage Insurance (LMI) the minimum loan amount is $10,000, maximum loan amount is $3,000,000 and total borrowings per customer across all Unloan loans is limited to $3,000,000).

We may be a good match for each other if:

• You're refinancing or purchasing a home for up to 80% of the property value. If you're purchasing we may be able to lend you up to 90% of your new home's value with lenders mortgage insurance.
• 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.

Every year on the anniversary of your settlement date we’ll give you an additional 0.01% p.a. loyalty discount on your rate, up to a maximum of 0.30% p.a. It’s our way of saying thanks for staying with us.

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We like to keep things radically simple, so you can apply in minutes. Once we receive the necessary documents, we’ll run all the standard checks. If you’re approved, we’ll formally request a transfer from your current lender. This is often when delays can occur. On average, from application to settlement, it has taken our existing customers five to six weeks to switch over.

When applying, you’ll need to verify your identity so have your ID handy. Check out our full checklist for all the documents you’ll need.

Buy a home with Unloan and apply for conditional approval, here. Calculate your borrowing power and get property insights to calculate if you could afford to buy. Chat to us online to get guided support and make buying a home simple.

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Yes, but they will have to be individual applications. You can have several loans with Unloan, however the value of all loans can’t exceed $10,000,000.

If any of your loans have Lenders Mortgage Insurance (LMI), then the total value of all of your loans is limited to $3,000,000.