unloan.com.au Bewertungen 

As per other comments the loyalty discount means nothing. I am currently above the advertised rate. I also contacted them and it is meaningless. Good rate to start but doesn’t continue.

Simple process, fully online so you don't need to take time off work to do it. The rates are better than average. It's backed by CBA so you can be confident it is secure.

As with other reviews it was fairly good and straight forward to get the loan going although your loyalty discount isn't worth anything. I have only been with them for 1.5 yrs and they moved my investment loan .15% higher than the advertised rate plus my .01% dicount. My loyalty discount was only .01%, making me .14% worse off. Very disappointed as I had thought they were positioning themselves as being better than these tactics. I messaged them and they gave me the same standard blurb others have shared and dropped the rate back. I assume I will need to keep a close eye on it and move when they do it again which I'm sure they will.

Simple process from start to finish. Loved the fact the application was entirely electronic. Communication was excellent. Can't recommend enough.

From my initial enquiry to settlement, I received superb customer support with an easier process than I experienced with my in-person mortgages. The ease of online transfers from my bank to Unloan is seamless and instant. Plus, I receive interest discounts as a member AAA+++ satisfaction ⭐️⭐️⭐️⭐️⭐️

Same dodgy tricks as the other big banks; they are part of CBA after all. Process is simple and fast but don't place any value on the loyaty discount - it is a ruse! They aren't loyal to you and you will end up subsidising new customers (i.e. they offer better rates to new customers even after loyalty discount). Very disappointed.

I like them. Getting a loan is simple. Getting a top up on my home loan to use the equity is also simple. Usually applied for and in my account within 24hrs. App is easy to use. Twice a year I have a two extra payments on the loan because of how they work it. I can redraw that if needed. It's just setup the right way for someone like me and for how I use it. They have it down pat where I know I'm getting a good rate and only once in a while I check and still see I'm doing well. When rates change (go up), they don't sting you right away, but take about a month to increase. Most other banks will up the rate within days. I have zero complaints.

They give better rate to new customers but increase the interest rate for existing customers after a bit, happened to my three different loan accounts and when you find out and query the answer is: “… your contract does not guarantee that your interest rate will remain more competitive than that of newly established loans.”

and a generic answer: "The setting of interest rates is a commercial decision and is made at Unloan’s discretion - influenced by multiple factors, including (but not limited to) the RBA cash rate, market conditions, and the competitive landscape.

We undertake rate reviews, and they are assessed on a case-by-case basis. Unloan doesn’t apply a blanket approach to interest rates, each review considers a range of customer and loan variables. "

The Unloan process has been great for us. The application and change over process was quick and easy.
We also like the simpleness of the product we have.

I have just tried to pay off my home loan using a money transfer, I used this method becuase of the size of the amount. Strangely Unloan does not accept this method. It seems a very common way to conduct this type of business. I believe they want to keep my loan opened for as long as possible. Very disappointing.

A simple, straightforward application process. Responsive and helpful staff.
A great interest rate that gets better over time.
A fantastic web interface that makes managing your loan easy.
Easily the best mortgage product I've ever used.

We've been with Unloan for a couple of years now and in our experience with other "banks", Unloan is the most simple yet most competitive that there is.

Good
Help with withdrawal

We refinanced about three years ago and as baby boomers are accustomed to a lot of paperwork, it was a big step to go digital. However, Unloan was always helpful, guiding us through the setup process whenever we needed it. The app is easy to navigate and we’re very happy with Unloan, especially the ease of using the redraw facility

Simple, straightforward process facilitated by quality staff that monitor emails and messaging after hours. We were able to refinance in less than 2 weeks in a paperless system and minimal costs. The settlement process was efficiently handled by unloan and the outgoing bank. No need to talk to a broker or a bank staff.

Fully digital experience, app is very easy to use and very competitive rates

Absolutely impressed with Unloan! My previous bank were not able to assist my banking needs. I quickly learned loyalty does not pay. Unloan was easy, efficient and provided superb customer support. With Unloan connected to Commonwealth Bank, I immediately felt I could trust an online bank. I was blown away by how well Unloan has mastered the online experience. My queries were answered super fast and I had one specialist who I dealt with during the refinancing. Unloan responded to my replies - not waits on the phone, no waiting on a few days for a response like with my previous bank. Unloan was responsive. Unloan also made the refinancing process easy to understand, breaking up the steps into clear instructions. Again, speaking to the same person through the whole process really put me at ease with the whole change. I would recommended Unloan to everyone. The customer service, I felt heard and looked after, really did put me at ease with the big change I made.

Ashishkumar Pravinbhai Patel

I found Unloan incredibly simple to set up and use. The website is clean, intuitive, and makes the whole process straightforward from start to finish. One of the things I really appreciate is that you don’t have to speak to anyone — everything is handled online, which makes it quick and hassle-free. Unloan just gets the job done without any unnecessary complications. Highly recommend for anyone looking for a smooth, no-fuss experience.