See if we’re a good match

Ready to see if we’re the right fit? Here’s what we’ll check and what you’ll need.

About you

You’re at least 18 years old, live in Australia and have an Australian mobile number.

Identity documents

You have a valid Australian Drivers Licence or Australian passport.

Up to 2 borrowers

You’re applying by yourself or with one other co-borrower.

Loan amount

You have a loan-to-value ratio (LVR) of up to 80% (at least 20% equity or deposit) and can cover any upfront costs.
Check your LVR and upfront costs

Finances

You receive regular income to support your loan, are paid in Australian dollars and possess a good credit history.
Income and documents we accept

Property

You’re applying for a residential or land loan to live in or as an investment (we don’t offer construction loans).
Property and title requirements

Your loan amount

Choose your loan purpose to see the requirements for your equity or deposit, loan amount 
and upfront costs.

Deposit and LVR

You have at least a 20% deposit (LVR is less than 80%).
In some cases depending on the property’s location or type, we may only be able to lend you up to 70% of the property’s value.

Total loan amount

You’d like to borrow between $10,000 and $10,000,000.
If you have multiple loans with Unloan, the total amount you can borrow across all of your loans is $10,000,000.†

Upfront costs

You can cover any upfront costs as part of buying a home such as stamp duty or conveyancing fees.
What are these upfront costs?

Guarantees, guarantors and government grants

First Home Buyer Grant

If you’re eligible for the First Home Buyer Grant, these funds can't contribute to your 20% deposit. Speak to your conveyancer on how to approach this.

Government schemes

We don’t participate in the Home Guarantee Scheme, Victorian Homebuyer Fund or other government home-buyer schemes.

Security guarantors

We’re unable to support home loans with a security guarantor (for example a family member who offers their own property as a security).

Equity and LVR

You have at least 20% equity in your property (LVR is less than 80%). We’ll help you with a property valuation.
Own your property outright and want to access your equity? You’ll be eligible to refinance with Unloan. Learn more

Total loan amount

You’d like to borrow between $10,000 and $10,000,000.
If you have multiple loans with Unloan, the total amount you can borrow across all of your loans is $10,000,000.

Upfront costs

You can cover a mortgage registration fee and any fees from your current lender including exit or break fees.

Your income and documents

Check what income we accept and the documents you’ll need to verify your income.

PAYG employment income

Casual or variable income

Self-employment income

Additional income sources

Any income you provide needs to be paid in Australian dollars.
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Your property

Property purpose and type

You’re planning to live in the property or it’s an investment.
You’re applying for a residential or land loan (we don’t offer construction or off-the-plan loans).

Property title

There is a maximum of two people listed on the title (we don’t accept properties held by a trust or company).
All listed owners on the title are Unloan borrowers.

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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.

†If you currently have an Unloan home loan with an active Lender’s Mortgage Insurance (LMI) policy the maximum amount you can borrow across all Unloan loans is $3,000,000. Please note Unloan currently doesn’t offer loans with an LMI premium. In some cases, depending on the property’s location or type, we may only be able to lend you up to 70% of the property’s value.