Yep — our goal is to keep home loans simple and predictable.

• No application fee
• No ongoing monthly or annual fees
• No discharge fee when you close your loan

Government charges and third-party costs (like property valuations) may still apply.

1. Tell us about you and your property.
2. Connect your bank statements securely.
3. Upload supporting documents.
4. We assess your application and property valuation.
5. Sign your digital loan documents and settle.

Most customers complete their application online in under 20 minutes.

Unloan is built by CommBank. We use CommBank’s infrastructure and experience while focusing on a modern, digital-first home loan experience.

Your variable rate decreases automatically on the anniversary of your settlement each year, up to a cap. No calls or renegotiations needed — your discount grows while you stay with us.

• Photo ID (Australian Driver Licence or Passport)
• Recent payslips or tax returns (for self-employed)
• Details of your current debts and expenses
• Rates notice and insurance (for refinances)

Timeframes vary by complexity, but many customers receive conditional approval within a few business days after submitting documents.