The Unloan Home Loan Refinance Hub

Refinancing your home loan with Unloan can offer a range of benefits, including lower interest rates and more!

Refinance with Unloan

Refinancing doesn't need to be a hassle when you've got the right financial provider.


Unloan logoThis refinancing guide is brought to you by Unloan and Finder. Throughout this guide, you'll find a range of information, articles and other resources intended for people that are looking for straightforward solutions when it comes to refinancing a home loan. To learn more about Unloan and refinancing, you can see an overview of its services here on Finder.


Why people refinance their home loan

With the cost of living on the rise, many people are looking for ways to save.

One method that many Australians are considering is refinancing their home loan.

People refinance their home loans for a range of reasons.

  • Scoring a lower interest rate: In turn, this can help bring down the overall cost of the home loan
  • Paying the loan back sooner: With lower overall costs, it is possible to cut down the time spent repaying the loan
  • Debt consolidation: Refinancing can allow you to bring all of your loan repayments into one, meaning you're only making one monthly repayment.
  • Getting better loan features: You can potentially reduce fees, get access to extra repayments and enable redraw.

Everyone's specific financial situation is different, though.

Before you refinance, it's worth speaking to a financial professional to determine whether or not it's right for your situation.

Get started with Unloan


Refinancing with Unloan

Unloan offers a range of benefits, including:

  • For every year you stay with Unloan, your rate will be discounted by an additional 0.01% p.a.
  • Fast online applications
  • No fees*
  • Redraw facility, to help keep your overall interest down.

Refinance with Unloan


Discover everything you need to know about home loans, all in one place! Unloan provides refinancers with a range of resources.

Learn more

Use our savings calculator to estimate how much you could save on your home loan with our low variable rate and a loyalty discount that gets better.

Learn more

Estimate your repayments and what you could save on your loan balance every year when refinancing with Unloan. Get started today!

Learn more


The Unloan Refi Classic

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Learn how you can refinance your home loan with Unloan

Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Unloan logo
Principal & Interest20% min. depositInvestment
Unloan logo
Principal & Interest20% min. depositInvestment
Go to site
Product NameUnloan Variable Home Loan
Interest Rate Type
Repayment Type Principal & Interest
Interest Rate p.a.5.69%
Comp. Rate p.a.5.60%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.69%
Comparison Rate
5.60%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Go to site
Unloan logo
Principal & Interest10% min. depositOwner-occupier
Unloan logo
Principal & Interest10% min. depositOwner-occupier
Product NameUnloan Variable Home Loan
Interest Rate Type
Repayment Type Principal & Interest
Interest Rate p.a.5.79%
Comp. Rate p.a.5.70%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.79%
Comparison Rate
5.70%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Unloan logo
Principal & Interest10% min. depositInvestment
Unloan logo
Principal & Interest10% min. depositInvestment
Product NameUnloan Variable Home Loan
Interest Rate Type
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.5.90%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.99%
Comparison Rate
5.90%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
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Useful resources if you're looking to refinance

*Government fees apply and in some case a Lenders Mortgage Premium (LMI) may apply.

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Editor

Tom Goodwin is the commercial content editor for Finder. With more than a decade of experience in the field, he's worked for a variety of high-profile publications and clients, including Reader's Digest, MPA, Insurance Business and HRD Magazine. See full bio

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Tom has written 275 Finder guides across topics including:
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