10% deposit home loan: what you need to know
Find out whether you can get a home loan with a 10% deposit in Australia, what Lenders Mortgage Insurance costs and what other upfront costs to budget for.
11 minute read
Learn to borrow better
Your shortcut to home loan confidence without any of the boring and complicated stuff.
Start the journey
Lay the foundations with everything you need to get from deposit to front door.
Time to apply
Nail your home loan application and make paperwork and approval a breeze.
Beyond settlement
Time for a tune up! Now that you're in, learn how to make your loan work better for you.
Home loans 101
Undo all the jargon, we'll help make home loans easy to understand.
Home loans 101
Refinancing basics
Borrowing power
Interest rates
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Home loan fees and features explained
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Understanding home loan interest rates
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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 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.
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Join thousands of Australians taking control of their home loan.