How to Apply for a Home Loan

Unloan's home loan application process is easy and fast. Follow this step-by-step guide and apply online in minutes. Refinance loans from 5.74% P.A.

Getting started on your home loan journey

To start your Unloan application, simply tap the ‘Apply now’ button – and you’re away.

Auto property evaluation

Thanks to CommBank's industry-leading automated evaluation technology, we can assess the existing property's value digitally. It’s a near-instant process, without the need for an in-person property evaluation in most cases.

Digital Credit Check

Gone are the days when you needed to gather all your home loan documents and statements for a credit check. Now, with your consent, we can check your repayment history on any current credit products digitally – and instantly.

Digital Financial Verification

After giving us the details of your income and expenses, we use Open Banking to digitally verify your financials – with your consent. But if you prefer manual verification, we’re happy to oblige.

Biometric Identity Check

No document uploads or visits to a branch are required! We digitally identify you via your smartphone, with a snapshot of your Driver’s Licence or Passport and a snapshot of your face.

Digital Signature

Who wants to sign and mail back paper documents? Unloan offers a digital home loan contract, which can be e-signed on your mobile or desktop.

Digital Settlement

Unloan uses PEXA, Australia's leading property exchange, to settle all home loans digitally. This makes settlement fast, safe, and efficient for everyone involved.

As an FYI, settlement is the process of finalising your loan by lodging documents with your state's land registry – to reflect any changes to your property title – and simultaneously paying out any money owed to the previous homeowner, for a property purchase or previous lender, for refinancing.

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