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You can refinance your home loan to Unloan in six simple steps. When you switch to Unloan, for every year you hold your home loan, you’ll receive a loyalty discount of 0.01% p.a. off the current interest rate, up to a maximum discount of 0.30% p.a every year, up to 30 years**.

There are also no application, discharge, account keeping or transaction fees. Government fees may apply. Your current lender may charge an exit fee when refinancing.

If you're looking to purchase a home, visit our dedicated Buy A Home page for more information. You can calculate your borrowing power and get property insights to calculate if you could afford to buy.

Chat to us online to get guided supported and make buying a home simple.

From $10,000 to $10,000,000.

The total amount you can borrow across all Unloan loans is $10,000,000. You cannot borrow more than $2,000,000 of above 80% LVR loans.

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.

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 like to keep things radically simple, so you can apply in minutes. Once we receive the necessary documents, we’ll run all the standard checks. If you’re approved, we’ll formally request a transfer from your current lender. This is often when delays can occur. On average, from application to settlement, it has taken our existing customers five to six weeks to switch over.

When applying, you’ll need to verify your identity so have your ID handy. Check out our full checklist for all the documents you’ll need.

Buy a home with Unloan and apply for conditional approval, here. Calculate your borrowing power and get property insights to calculate if you could afford to buy. Chat to us online to get guided support and make buying a home simple.

Yes, but they will have to be individual applications. You can have several loans with Unloan, however the value of all loans can’t exceed $10,000,000. You cannot borrow more than $2,000,000 of above 80% LVR loans.