At a glance
- Variable (owner occ. P&I)
- 6.14%6.05% comparison
- Variable (investor P&I)
- 6.29%
- Max LVR
- 90%
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.14% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 9th lowest of 104, level with 5 others |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.29% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 6th lowest of 104, level with 2 others |
Rates
Every rate Unloan Prod publishes for this home loan, 6 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤80%6.14%
- 80–90%6.44%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableVisit our website | Investment, P&I | - | ≤80% LVR | 6.29% | 6.20% | New customer |
| VariableVisit our website | Investment, P&I | - | 80–90% LVR | 6.59% | 6.50% | Existing Customers |
| VariableFor home loans with new lending at 'Loan to Valuation Ratio' of 80.01%-90% | Investment, P&I | - | 80–90% LVR | 6.79% | 6.70% | New Customers |
| VariableVisit our website | Owner occupied, P&I | - | ≤80% LVR | 6.14% | 6.05% | New customer |
| VariableVisit our website | Owner occupied, P&I | - | 80–90% LVR | 6.44% | 6.35% | Existing cust |
| VariableFor home loans with new lending at 'Loan to Valuation Ratio' of 80.01% to 90% | Owner occupied, P&I | - | 80–90% LVR | 6.64% | 6.55% | New Customers |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 17 Oct 2026 | Variable, Investment, P&I, ≤80% LVR | 6.04% | 6.29% | up 0.25 |
| 17 Oct 2026 | Variable, Owner occupied, P&I, ≤80% LVR | 5.89% | 6.14% | up 0.25 |
Each change is logged the night it appears in the rates Unloan publishes. See how every lender answered the RBA on the rate tracker.
Features
Eligibility and limits
- Minimum age 18
- Available to individuals
- Amount up to $10,000,000
- Opening balance $10,000
- Applications for home loans are subject to the Unloan’s standard credit approval process
- Unacceptable Loan Purposes: This loan cannot be used for business purposes. Cash out and debt consolidation are not acceptable for purchase applications.
- 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,…
- 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…
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Published by Unloan under the Consumer Data Right, last changed by them on 16 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.