Unloan Home Loan
Unloan's home loan offer
- From (owner occupied)
- 5.89%
- 5.8% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Visit our website | 5.89% | 5.8% | LVR |
| Variable Visit our website | 6.19% | 6.1% | LVR |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Visit our website | 6.04% | 5.95% | LVR |
| Variable Visit our website · New Customers | 6.34% | 6.25% | LVR |
Features
- Digital banking
- Securely view, manage, and change your loan right from your fingertips.
- Redraw facility
- Access any additional repayments that you’ve made ahead of your loan schedule at any time. No fees apply.
- Extra repayments
- Make additional payments into the loan at any time to save even more on interest. No fees apply.
- Loyalty program — Loyalty Discount
- Every year, receive an additional 0.01% p.a. discount on your loan. Up to 0.30% p.a.
- Real-time payments (NPP)
- Make real-time payments to and from your loan account with a BSB and account number using the NPP (New Payments Platform).
Eligibility
- Applications for home loans are subject to the Unloan’s standard credit approval process
- Minimum age — 18 yearsIndividuals (natural persons, including as Trustee of a Family Trust) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older
- Individuals onlyIndividuals
- Unacceptable Loan Purposes: This loan cannot be used for business purposes. Cash out and debt consolidation are not acceptable for purchase applications.
- Acceptable Loan Purposes: This loan can be used for the purposes of refinancing your existing owner occupied and investment home loan, purchasing a home, debt consolidation and other personal needs, subject to meeting eligibility criteria and Unloan Terms and Conditions.
- The following are examples of ineligible security types: A registered second mortgage over residential property; Properties on Norfolk Island; Properties that are under construction; Properties that are ‘Off the Plan’; Transportable, relocatable or mobile homes; Commercial property; 5 or more dwellings within one development per application; Cash deposit.
Constraints
- Opening balance — $10,000.00For an Unloan Variable Home Loan, there is a minimum loan amount of $10,000 for new loans.
- Maximum limit — $10,000,000.00The maximum loan amount is generally $10,000,000 for loans with a Loan to Valuation Ratio (LVR) less than 80%. Where the circumstances of the loan create an increased risk and Lender's Mortgage Insurance is applied, such as for certain property types, properties in certain postcodes, or where the loan's LVR is more than 80.1%, the maximum loan amount is $3,000,000.
More Information
Published by Unloan under the Consumer Data Right · Last updated 28 May 2026 · Product ID 8250def8-24f4-411c-80a5-e71f54cf5823 · View on CDR.gov.au