CommBank-backed Unloan slices investment home loan rates again

By Jasmine Gearie · · 1 min read
Fact Checked
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With Australia’s property market running hot, popular online-only lender Unloan has just dropped its investment home loan rates for the second time in the past month.

Following its latest 0.10% p.a. cut, the provider has sliced a total of 35 basis points off its variable investor home loans since the Reserve Bank’s cash rate decision in May.

Unloan now has one of the leading investor rates in our database of 5.69% p.a. (5.60% p.a. comparison rate*).

The digital bank’s comparison rate is highly competitive, and that’s largely thanks to Unloan’s unique loyalty discount, which knocks 0.01% p.a. off your interest rate every year for up to 30 years.

These rates only apply if you have a loan-to-value ratio (LVR) of at least 80% – that’s a 20% minimum deposit. A higher rate of 5.99% p.a. (5.90% p.a. comparison rate*) applies for LVRs above 80%.

Unloan’s investor home loans only come with variable rates, and you can make additional repayments at any time and still access that extra cash again if you need it via the free redraw.

Note that Unloan doesn’t offer interest-only investment loans, so you’ll need to look elsewhere if that’s what you’re after – compare investment home loans below.

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Last updated 5 December 2025 Important disclosures and comparison rate warning*
What are your home loan needs?
Loan purpose
Buying or Refinancing
  • Promoted

    Unloan Variable Home Loan

    • Investor
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.39 % p.a.
    Variable
    Comparison rate
    5.30 % p.a.
    Initial monthly repayment
    $2,805
    Go to site
    • The first home loan with an automatic loyalty discount (conditions apply)
    • No application or banking fees
    • Built by CommBank

  • Unloan Variable Home Loan

    • Investor
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.39 % p.a.
    Variable
    Comparison rate
    5.30 % p.a.
    Initial monthly repayment
    $2,805
    Go to site
    • The first home loan with an automatic loyalty discount (conditions apply)
    • No application or banking fees
    • Built by CommBank

  • Investor Package

    • Investor
    • Principal & Interest
    • 20% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.49 % p.a.
    Variable
    Comparison rate
    5.53 % p.a.
    Initial monthly repayment
    $2,836
    Go to site
    • Discounted rate when bundling owner-occupied and investment loans
    • Principal & interest repayment, no ongoing fees
    • Unlimited fee-free redraws and optional offset sub-account

  • Variable Investor Home Loan

    • Investor
    • Principal & Interest
    • 10% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.59 % p.a.
    Variable
    Comparison rate
    5.63 % p.a.
    Initial monthly repayment
    $2,867
    Go to site
    • No monthly or ongoing fees
    • Option to add an offset for 0.10% p.a.
Showing 3 results from 380 home loans. Use the filters to see more

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* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

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