unyourself in a flash

Save thousands with award-winning value from a lender you can trust.

  • Canstar Outstanding Value Variable Home Lender 2023-2026
  • Money Magazine Best-value flexible home loan 2025
  • Finder awards 2025 Value Home loan

  • Live in

    Principal and interest repayments. Up to 80% LVR.

    Variable rate^

    For new loans

    Comparison rate*

    Get started
    • Additional 0.01% p.a. loyalty discount every year^
    • Unlimited free redraw and extra repayments
    • No Unloan fees+

    Built and funded by CommBank logoBuilt and funded by CommBank

  • Invest

    Principal and interest repayments. Up to 80% LVR.

    Variable rate^

    For new loans

    Comparison rate*

    Get started
    • Additional 0.01% p.a. loyalty discount every year^
    • Unlimited free redraw and extra repayments
    • No Unloan fees+

    Built and funded by CommBank logoBuilt and funded by CommBank

Simple to get.
Easy to live with.

  • A loyalty discount that gets better every year

    Get an additional 0.01% p.a. loyalty discount for every year you’re with us.

  • Be free of excess interest

    Save on interest, not flexibility with unlimited free redraw.

  • Don’t get caught by fees

    We won’t charge you any application, banking, account, change or exit fees.

  • Apply in minutes

    A simple online application that you can complete anytime.

  • Award winning

    Recognised for outstanding value. Loved by thousands of Australians.

  • A lender you can trust

    We’re built by CommBank, Australia’s leading bank.

Crunch the numbers

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.

Make the switch to Unloan and apply in minutes

Apply in minutes

Time to get un-stuck

Your home loan should work for you, not against you.
Here’s how refinancing with Unloan can help get unstuck.

Save with lower rates

Lower rates and no fees from us+ means you can save more and pay off your loan sooner.

Reach your financial goals

Refinancing can help you access equity in your home and consolidate your debts, so you can reach your financial goals faster.

Be rewarded for loyalty

We’ll give you an additional 0.01% p.a. discount every year up to a maximum of 30 years.^

Find more tips and tricks

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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
“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
“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
“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 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

Apply in minutes

Join thousands of Australians taking control of their home loan.

Apply now

General

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.

+Other third party fees may apply. Government charges may apply.

†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.

Borrowing power calculator

The Borrowing Power calculations are intended as a guide only and are estimates based on the information you input. 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.

Stamp duty calculator

The Upfront Costs are intended as a guide only and are an estimate based on the information you input. The calculations do not constitute an offer of credit or quote. Stamp duty exemptions/concessions may have been applied based on information provided. You should check with your solicitor, conveyancer or revenue office to confirm you are eligible. Upfront costs may be payable before, on or after settlement and some costs may be able to be financed. To find out more about your upfront costs you should speak to us. Other fees and charges may also apply.

Depending on the size of your deposit, security, applicant and loan attributes a higher interest rate may apply. Where this higher interest rate is shown is indicative only.