Apply in minutes

Applying for a home loan has never been this easy. The Unloan application experience is designed for simplicity and speed.

image of a phone

How to
apply in
6 steps

Digital smarts that make your application easier.

At Unloan, we believe in using the latest technology to make your home loan experience easier.

  • Automated
    Property Valuation

    We digitally assess the value of your existing property using CommBank's industry-leading automated valuation technology.

  • Digital
    Credit Check

    We perform a credit check when you apply for a home loan and display the results for you to check, saving you time.

  • Biometric
    Identity Check

    Don't worry about having to book appointments. We use modern biometric technology to confirm you are the person pictured in the ID you provide.

  • Digital
    Signature

    Unloan provides a digital home loan contract that is e-signed on your phone or desktop.

  • Digital
    Settlement

    Finalise your loan without the paper. In most cases, the entire settlement process can be completed on your favourite device.

There’s plenty more to love

A loyalty discount
that gets better
every year

Up to

0.01
%p.a.

loyalty discount in year 1.

Say no to fees

  • Application Fees
  • Banking Fees
  • Account Fees
  • Change Fees
  • Exit Fees

Save on interest,
not flexibility

Unlimited free redraw so you can access extra funds anytime.

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.