A new kind of home loan
that saves you more.

Every Unloan starts with a low variable rate. And get an extra 0.01% p.a. discount for every year you’re with us^.

How much could I save?
How much could it cost?
Ready to go?
Annual loyalty discount
No Unloan Fees
Apply in Minutes
Unlimited Free Redraws
80% Maximum LVR
30 Year Maximum Loan Term
Apply now
Fixed rate coming
to an end?
Don't worry, you can apply now
and be set for a discount
that gets better and better
as soon as you're ready.
Get started

Everything refinance in one place

A new kind of home loan

In case you
missed anything.

Am I eligible to apply for an Unloan home loan?

We may be a good match for each other if:

   - You’re refinancing a residential property for up to 80% of its current value

   - 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.

Are there really no fees?

We dislike fees as much as you do! That’s why we don’t charge any application fees, ongoing account fees, or exit fees.

Whether you're buying a home or refinancing to Unloan, the only fees you'll see are the mandatory government fees*. Learn more about government fees here.

*Other third party fees may apply.

What is Unloan's relationship to CommBank?

We’re a fully owned division of CommBank. Unloan’s mission is to provide a low-cost home loan that’s easier to get and more rewarding to live with.

As a digital-only home loan, Unloan is available exclusively via this website, and customer support is provided by Unloan’s dedicated lending team.

How does Unloan's annual discount bump work?

For every year your home loan is active, we’ll increase the discount by another 0.01% p.a.^ No negotiation, no follow ups. You just get an increased discount every year. Automatically.

It’s our way of saying thanks for staying with us.

How does Unloan make sure my data and personal information is safe?

We understand our responsibility to safeguard your privacy, and apply strict security and privacy controls in how we handle your information. To find out how we manage your personal information, please read our Privacy Policy.

What does the application process look like?

Our application process is completely digital and designed to make your home loan experience easier. You can apply in minutes.

What if I need to get in touch with someone?

We’re available to chat between 8am to 6pm (AEST) on weekdays and 10am to 6pm on weekends. Just look for the bubble icon located on the bottom right of your screen to start chatting with our team.

You can also email us at [email protected].

You may also want to check out our FAQs for more answers to common questions.

Can I offset interest in my Unloan account?

Unloan offers an unlimited redraw facility that lets you access extra repayments you’ve made on your home loan, above your minimum scheduled repayments.