The low rate home loan

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.

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 Lenders Mortgage Insurance (LMI), stamp duty or government fees). For loans requiring LMI, an LMI premium and in some instances a higher interest rate will apply. 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.

^Rates shown are inclusive of a 0.01% p.a. loyalty discount off our reference rate. On each anniversary of your loan’s settlement date, you will receive an additional discount of 0.01% per annum, up to a maximum discount of 0.30% per annum. For purchase loans with a Loan to Value Ratio (LVR) between 80.01% - 90% LVR, a lenders mortgage insurance (LMI) premium and higher interest rate apply. In some cases depending on the property’s location or type, LMI may also be required for LVR between 70.01% and 80%.

**This figure represents the rate/repayment applicable in the final year of the loan, should the loan remain in place for the full term selected and assumes the reference rate will not change for the life of your loan, which is unlikely to be the case. Rates shown are inclusive of a 0.01% p.a. loyalty discount off our reference rate. On each anniversary of your loan’s settlement date, you will receive an additional discount of 0.01% per annum, up to a maximum discount of 0.30% per annum.

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

#Based on the one-way Economy Reward Seat fares on Virgin Australia and international partner airlines for the advertised route (correct as at 20 March 2026). The Reward Seat base fare is payable in Velocity Points, and taxes, fees and carrier charges are payable in addition to Velocity Points redeemed for the base fare. Taxes, fees and carrier charges can be paid in cash or by redeeming Velocity Points. Reward Seats are limited and may not be available at the advertised Reward Seat base fares, at peak times or on all flights. Reward Seat bookings must be made on the Virgin Australia website by selecting “Use Points”. Reward Seats and associated charges are not eligible for Points earn. Payment surcharge may apply. You can change or get a refund for your booking by paying a fee and any fare difference, at least 24 hours before scheduled departure. Any voluntary changes by members for Reward Seats with international partner airlines will require cancellation and rebooking via a new ticket. If applicable, the original ticket will be refunded. You may also request a refund for other reasons, including under the Australian Consumer Law. View the Velocity Reward Seat fare rules for more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions at velocityfrequentflyer.com. 

‍Velocity membership Terms and Conditions apply.

¹ Submitting an eligible home loan application: To be eligible for the Offer, you must select this offer by clicking a ‘Learn more’ link in a Velocity Frequent Flyer promotion and submit your application for an eligible Unloan home loan within 90 days of clicking the link. Existing home loan accounts and top ups on these accounts are not eligible to receive Velocity Points. We use first-party cookies to check this eligibility requirement, so using cookie blockers, ad blockers, or private/incognito may prevent us from registering your visit and could affect your eligibility for the offer. For best results, use a regular browser window and ensure cookies are enabled. Read more

² Settlement Timing: You must settle your eligible home loan within 90 days of the closing date of the Offer. This Offer is currently ongoing, will remain open until at least 30 September 2026, and there is no closing date until further notice.  

³Eligibility criteria: See full terms and conditions for Eligibility Criteria of the Offer.

⁴Your first and last name on your Velocity membership account must match the first and last name of the Primary Borrower in your Eligible Home Loan application.

You should consider whether Velocity points will result in any tax implications (especially if you’re claiming a tax deduction connected with your loan). We suggest you seek independent advice from your accountant or tax adviser if you are uncertain of the tax implications to you.

‍Borrowing calculator

The Borrowing Power calculations are intended as a guide only and are estimates based on the information you input. An LMI premium and higher interest rate apply to loans with an LVR of greater than or equal to 80.01%. Where an LMI premium amount is shown this is indicative only. An LMI premium may also apply to some loans with an LVR less than 80.01% depending on depending on the size of your deposit, security, applicant, and loan attributes.

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.

LMI may also apply depending on depending on the size of your deposit, security, applicant, and loan attributes. Where LMI applies an LMI premium, and in some instances a higher interest rate, will apply. Where an LMI premium amount is shown this is indicative only. LMI premiums will impact the amount you can borrow and increase repayments under the loan.