Refinance to an easier way to save

Refinance to an easier way to save

Refinance to an easier way to save

Save thousands with award-winning value from a lender you can trust.
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Money Magazine Best-value flexible home loan 2025
Finder awards 2025 Value Home loan
Mozo Experts Choice 2025 Low Cost Home Loan
WeMoney winner Best for value varaiable home loan (Banking) 2025 award

A home loan that’s easy to live with

A discount that gets better and better

Get an additional 0.01% p.a. loyalty discount for every year you’re with us.
Every year on the anniversary of your settlement date we’ll give you an additional 0.01% p.a. loyalty discount on your rate, up to a maximum of 0.30% p.a.
It's our way of saying thanks for staying with us.

Scratch excess interest

Save on interest, not flexibility with unlimited free redraw.
Our unlimited redraw means you can make additional payments to reduce the interest charged on your loan.
And then access it instantly whenever you need, with no fees.

Don’t get hurt 
by fees

We won’t charge you any application, banking, account, change or exit fees.
Unlike most lenders, we don’t charge you fees.

That’s no annual fees, application fees, banking fees, account fees, transaction fees, or exit fees.

Apply in minutes

A simple online application that you can complete anytime.
Skip the home loan hurdles.
Apply online with Unloan in as little as 15 minutes, and get a fast approval.

So you can spend less time chasing paperwork and more time on the things that matter to you.

Award winning

Recognised for outstanding value. Loved by thousands of Australians.
Our mission is simple: offer a low-rate home loan that’s designed to put more money back in your pocket.

It’s why thousands of Australians choose Unloan. And why we’ve been recognised for outstanding value since 2023.

A lender you can trust

We’re built by CommBank, Australia’s leading bank.
We’re 100% owned by CommBank. 
We operate under their credit licence and leverage their modern banking technology.

So you can rest easy knowing your Unloan is built and funded by Australia’s leading bank.

A home loan that’s easy to live with

A discount that gets better and better

Get an additional 0.01% p.a. loyalty discount for every year you’re with us.
Every year on the anniversary of your settlement date we’ll give you an additional 0.01% p.a. loyalty discount on your rate, up to a maximum of 0.30% p.a. It’s our way of saying thanks for staying with us.

Run away excess interest

Save on interest, not flexibility with unlimited free redraw.
Our unlimited redraw means you can make additional payments to reduce the interest charged on your loan. 

And then access it instantly whenever you need, with no fees.

Don’t get hurt by fees

We won’t charge you any application, banking, account, change or exit fees.
Unlike most lenders, we don’t charge you fees.

That’s no annual fees, application fees, banking fees, account fees, transaction fees, or exit fees.

Apply in minutes

A simple online application that you can complete anytime.
Skip the home loan hurdles.
Apply online with Unloan in as little as 15 minutes, and get a fast approval. 

So you can spend less time chasing paperwork and more time on the things that matter to you.

Award winning

Recognised for outstanding value. Loved by thousands of Australians.
Our mission is simple: offer a low-rate home loan that’s designed to put more money back in your pocket.

It’s why thousands of Australians choose Unloan. And why we’ve been recognised for outstanding value since 2023.

A lender you can trust

We’re built by CommBank, Australia’s leading bank.
We’re 100% owned by CommBank. 
We operate under their credit licence and leverage their modern banking technology.

So you can rest easy knowing your Unloan is built and funded by Australia’s leading bank.

Crunch the numbers

Don’t just take our word for it

Hear from our customers on why they love Unloan.

“Communication is fantastic when I have needed to contact. App is easy to use. Rate is still very low compared to other lenders. We have topped up within last 12 months and process was so efficient. Would gladly recommend.”

Helen R,
WA

“Online application. Fantastic customer support & service, received messages outside normal business hours. Really appreciated how smooth and quick the application process progressed to completion and settlement. Thank you.”

Philip B,
TAS

“The rate is one of the best in the market, the process to refinance or top up was smooth and effortless, and our lending support specialist was a pleasure to deal with.”

Wayne R,
QLD

“Simplicity and ease of use. I found the online team we have dealt with responsive and helpful, no waiting on the phone. Really happy with how streamlined this process was and stress free.”

Lisa J,
WA

“Great service, quick turnaround and no fees? What's not to love? Can't fault these guys!”

Christopher C,
QLD

“I loved how quick and easy the loan process was and it was all online so I did not have to take time off work for the loan process.  I also really like that no fees are associated with the loan process and no ongoing fees.  You make it an easy process and keep me informed.”

James N,
VIC

“From start to finish, our home loan application has been so easy, all the staff we have had the pleasure of working with, have been so friendly, clear with information and there was never a problem that was too big and not solved so quickly and easily!”

Joshua P,
WA

“The entire process, from start to finish, was incredibly smooth and straightforward. The team kept me informed every step of the way, providing clear communication and timely updates throughout. They made what is typically a complex and potentially stressful process feel simple.”

Fiona M,
VIC

“Simple, payments in and out are fast, like super fast which is pretty much the best thing ever. I like that there is nothing complex to think about, you have your interest, your payment, and an easy app. Brilliant.”

Malcolm J,
TAS

“Competitive rates and quality of service. Application process was very easy - communication with Unloan staff was great, they were very helpful”

Matthew E.S,
NSW

“Simple. No frills, no fuss. Was super easy to get the loan application in and approved, all happened so quickly!”

Robyn B,
VIC

“As I was recommended by a friend, I found the whole experience stress free and easy to understand from the beginning to the end of the process. In straight simple language that people would understand.”

James V,
VIC

“I have found Unloan to be excellent, it’s easy to use, the app shows you exactly what your information is at a glance. The interest rates are competitive.”

Sylvia S,
QLD

“Great rate and features including free redraw. Application and setup was fast and well guided. A+”

Daniel S,
SA

"Recently refinanced and wish I’d done it sooner. The process was smooth, the staff were genuinely helpful, and the rates are far better than what I was on. It felt like dealing with everyday people who actually understand and relate to your situation. Highly recommend making the switch!"

Kristy M,
QLD

"Unloan is simply brilliant - so glad we moved to Unloan. No nonsense approach to home loan lending, very modern service fit for today, competitive interest rates, considerate team assistance and when I needed a top up, you made it very professional and easy."

Tania T,
NSW

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 80% 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 on the anniversary of your settlement date we’ll give you an additional 0.01% p.a. loyalty discount on your rate, up to a maximum of 0.30% p.a. It’s our way of saying thanks for staying with us.

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 (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 hello@unloan.com.au.

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.

Sit back and start saving

Switch to Unloan and join thousands of Australians saving more.