About you
To apply for an Unloan home loan, you’ll need to:
Be 18 years or older
Live in Australia
Hold a valid Australian driver licence or Australian passport
Apply on your own or with one other co‑borrower (up to two borrowers total)
Your credit history
You’ll need a good credit history to be eligible.
If you’re unsure where you stand, it’s worth checking your credit report before applying. You can do this directly with Equifax, Illion or Experian, or through other third‑party services. Fixing any issues ahead of time can help avoid surprises later.
Your income
You’ll need to receive regular income paid in Australian dollars and be able to verify it.
This can include:
PAYG income
Casual or variable income
Self‑employed income
Certain additional income sources
We’ll ask for documents like payslips and bank statements to confirm your income. You can check exactly what we accept on our income verification page.
Your property and loan
You can apply with Unloan if you’re:
Buying a home, or
Refinancing an existing home loan
Here’s what we look for:
Loan‑to‑value ratio (LVR)
Refinancing: up to 80% LVR
Buying a home: up to 80% LVR
In some cases, depending on the property type or location, your LVR may be capped at a lower percentage.
Note: If you’re eligible for the First Home Buyer Grant, those funds can’t be used toward your minimum deposit. Your conveyancer can help you work out the best way to structure this.
Loan amount
Borrow between $10,000 and $10,000,000
Your total borrowing across all Unloan loans is capped at:
$10,000,000 without LMI
$3,000,000 if any of your existing loans require LMI
Upfront costs
You’ll need to be able to cover upfront costs related to your loan.
If you’re buying a home, this may include:
Stamp duty
Pest, building or strata reports
Legal or conveyancing fees
Mortgage registration fee
Land tax and title registration
If you’re refinancing, this may include:
Mortgage registration fee
Exit or break fees from your current lender
Our calculators can help you estimate what these costs might look like.
A few important things to know
At the moment:
We don’t offer construction or off‑the‑plan loans
We don’t support guarantor loans
We don’t participate in government home‑buyer schemes, including the Home Guarantee Scheme or Victorian Homebuyer Fund
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]
Phone: 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.