your home loan
Every Unloan starts with a low variable rate. And gets an extra 0.01% p.a. discount for every year you’re with us^.
What is Unloan's relationship to CommBank?
We’re a fully owned division of CommBank. Unloan’s mission is to provide a simple, 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.
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
- You earn a PAYG or self-employed income
Learn more about our eligibility criteria.
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.
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.
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?
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.
What if I need to get in touch with someone?
We’re available to chat between 8am–8pm (AEDT) on weekdays and 10am–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.