Undo your home loan

Live-in: 6.14% p.a. variable rate, 6.05% p.a. comparison rate*

6.14% per annum variable rate

Variable rate^

6.05% per annum comparison rate

Comparison rate*

^Incl 0.01% p.a. loyalty discount to the applicable variable rate in year 1. For new loans, up to 80% LVR.

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Calculate your savings

6.05% p.a. comparison rate*
$
% p.a.
Example rate only. Enter your current interest rate.

Estimated savings based on your inputs

$45,597

Variable rate

6.14 % p.a.

Comparison rate*

6.05 % p.a.

Over the life of your 30 year loan, based on the current variable rate, including a loyalty discount that increases by 0.01% p.a. each year up to a maximum of 0.30% p.a. in year 30. Assumes variable rates remain unchanged over the selected loan term, except for the Unloan loyalty discount increasing by 0.01% p.a. each year (up to a maximum of 0.30% p.a.). Variable rates may change.

Estimated loan breakdown

Minimum monthly repayments

Current
$3,437
Unloan
$3,347

Unloan repayments include a 0.01% p.a. loyalty discount in year 1, increasing to 0.30% p.a. loyalty discount in year 30.

Total loan repayments

Current
$1,237,206
Unloan
$1,191,609

Principal and interest repayments over the life of your loan.

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Pick a home loan that works for you, whether you’re looking to invest or move into your dream home.

$

  • Live inPrincipal and interest repayments

    Variable rate^

    For new loans

    Comparison rate*

    Minimum repayments
    $3,347/month
    Get started
    • Annual 0.01% p.a. loyalty discount^
    • No Unloan application fees+
    • Unlimited free redraw
    • Additional repayments

    Built and funded by CommBank logoBuilt and funded by CommBank

  • InvestPrincipal and interest repayments

    Variable rate^

    For new loans

    Comparison rate*

    Minimum repayments
    $3,401/month
    Get started
    • Annual 0.01% p.a. loyalty discount^
    • No Unloan application fees+
    • Unlimited free redraw
    • Additional repayments

    Built and funded by CommBank logoBuilt and funded by CommBank

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We’re committed to making home loans the way they should be.
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In case you missed anything

We may be a good match for each other if:

  • You're refinancing or purchasing a home for up to 90% of the property 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.

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

Government fees may apply. Your current lender may charge an exit fee when refinancing.

We’re a fully owned division of CommBank meaning our home loans are built and backed with the financial strength and modern banking technology of CommBank, Australia’s leading bank.

Unloan’s mission is to provide a low-cost home loan that’s easier to take out and more rewarding to live with. As a digital-only home loan, Unloan is available exclusively via our website and our customer support is provided by our dedicated lending team based here in Australia.

Every year we’ll increase the loyalty discount on your variable rate current at the time by 0.01% p.a. (up to a maximum of 0.30% p.a. in year 30) on the anniversary of your settlement date. It’s our way of saying thanks for staying with us.

Please be aware that the variable reference rate is subject to change. The loyalty discount will be applied to your variable rate at the relevant time, and this rate may change over your loan term. This means that the variable rate used to calculate interest on your home loan may increase over the loan term, regardless of the loyalty discount.

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.

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

We’re available to chat between 8am to 6pm (AEDT) 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.

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

View more FAQs

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Calculations are estimates provided as a guide only. They are calculated based on our current advertised variable rate, and assume this rate continues for the life of the loan. Interest rates may change at any time. Your actual repayments and savings will change if our variable reference rates change.

Should you take out a home loan with Unloan, discounts applied during the life of the loan will be applied to the relevant reference rate at that time.

Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as stamp duty or government fees). Any of these additional amounts may impact how much you can borrow and will increase repayments under the loan.

Calculations are not a loan approval. 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.

*Comparison rate is calculated on a $150,000 secured loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^Rate shown is for up to 80% LVR and principal and interest repayments. All rates are for new loans only and may differ for existing loans.
Rates shown are inclusive of a 0.01% p.a. loyalty discount off our variable reference rate. On each anniversary of your loan’s settlement date, you will receive an additional discount of 0.01% per annum on your current variable rate, up to a maximum discount of 0.30% per annum in year 30. The loyalty discount is applied to your variable rate at the relevant time, and this rate may increase or decrease over your loan term. For more information view our rates and features.

†For loans with a Loan to Value ratio (LVR) between 80.01% and 90% a higher interest rate applies. 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.