Unloan Home Loan

General Lending Rates

Product Variations

Product Features

• Digital Banking Additional Information: Securely view, manage, and change your loan right from your fingertips.

• Redraw Additional Information: Access any additional repayments that you’ve made ahead of your loan schedule at any time. No fees apply.

• Extra Repayments Additional Information: Make additional payments into the loan at any time to save even more on interest. No fees apply.

• Loyalty Program Additional Information: Every year, receive an additional 0.01% p.a. discount on your loan. Up to 0.30% p.a.

• Npp Enabled Additional Information: Make real-time payments to and from your loan account with a BSB and account number using the NPP (New Payments Platform).

Product Eligibility

• Other Additional Information: Applications for home loans are subject to the Unloan’s standard credit approval process

• Min Age - 18. Additional Information: Individuals (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

• Natural Person Additional Information: Individuals

• Other Additional Information: Unacceptable Loan Purposes: This loan cannot be used for business purposes. Cash out and debt consolidation are not acceptable for purchase applications.

• Other Additional Information: 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.

• Other Additional Information: 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.

 Limitations & Restrictions (Constraints)

• Opening Balance of 10000.00 Additional Information: For an Unloan Variable Home Loan, there is a minimum loan amount of $10,000 for new loans.

• Max Limit of 10000000.00 Additional Information: The 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.