Before you make an offer
Your Conditional Approval gives you an indication of how much you may be able to borrow, but it isn’t final loan approval.
Before signing a Contract of Sale or bidding at auction, you might consider having the contract reviewed by a solicitor or conveyancer.
Depending on the sale and your circumstances, you may also want to speak with your solicitor or conveyancer about conditions such as a finance clause.
If your offer is accepted
Once you’ve secured the property and have a Contract of Sale:
Complete any remaining property details and loan information in your application.
Upload your Contract of Sale.
Complete any outstanding income documents or identity checks we ask for.
An Unloan Lending Specialist can then complete the full assessment of your application. This includes:
reviewing your documents and verifying your information
assessing the property value
confirming your application meets Unloan’s lending criteria.
Remember, Conditional Approval doesn’t guarantee final approval. Your home loan can only receive final approval once the full assessment is complete.
For more information, including how Conditional Approval works, how long it’s valid and what it’s based on, see Conditional Approval – what it means and what happens next.
Need help?
The easiest way
Log in and reach out via live chat.
Prefer email or phone?
No problem. You can also contact us:
Email: [email protected]
Request a callback: 1300 630 000
Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Full terms and conditions will be set out in your loan offer, if an offer is made.
This information is general only and doesn’t take your personal financial situation into account. Consider seeking independent financial advice before making a decision.