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Unloan variable home loan

Unloan's variable home loan has a low variable rate with a built-in discount. It's an online loan for refinancers only.

This online home loan offers refinancers a low variable rate and a quick online application. It has rates for investors and owner-occupiers.

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Review by

Richard Whitten is an editor at Finder, and has been covering home loans and the property market in Australia for the last 4 years. He has written for Yahoo Finance, Money Magazine and Homely, as well as multiple banks and lenders. Richard has a Certificate IV in Finance and Mortgage Broking, a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communication. He enjoys helping people understand the ins and outs of mortgages so they can make smarter property decisions. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea.

Expert review

Unloan's digital mortgage is a good pick for refinancers who are looking for a low rate above everything else, and a quick online application. It's especially suited to borrowers who don't need offset accounts and just want to focus on a cost-effective mortgage they can manage online.

About this loan

What are the features and benefits of the Unloan variable home loan?

  • Loan purpose. The Unloan variable home loan is available for borrowers who are refinancing an existing owner-occupier or investor loan.
  • Rate discounts. Unloan applies a 0.01% rate discount every year of the loan. This works out to be a 0.30% discount in the final year of a 30-year term.
  • Loan-to-value ratio. You can borrow up to 80% of your property's value.
  • No fees. Unloan doesn't charge any fees, although you may have to pay a mortgage registration fee to the government at settlement.
  • Extra repayments and redraw. This loan lets you make unlimited extra repayments and redraw.

How to apply

To apply for this home loan or learn more about it, click the green button and follow the steps to connect with Unloan and start an application.

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  1. Default Gravatar
    June 21, 2022

    can you use a rural property to secure your loan if it is your OO property and meet all other requirements?
    – 87acres zoning rural lifestyle

    • Avatarfinder Customer Care
      June 24, 2022

      Hello Cheryl,

      This is quite a specific eligibility detail so you are better off contacting the lender directly and asking before submitting a full application.

      Kind regards,

  2. Default Gravatar
    June 8, 2022

    Are there any lock in periods or fees if I move away from this loan

    • Avatarfinder Customer Care
      June 15, 2022

      Hi Tim,

      Unloan doesn’t charge application, account-keeping, or exit fees.

      Kind regards,

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