Most lenders won’t let you take a home loan on a display home. Still, you can finance this type of property in several ways.
You can write a note along side a document to let us know if a document should be removed and we’ll do that for you.
A bad credit report could prevent you from accessing home loan products. All is not lost though, as there are several things you can do to repair your credit.
Australian credit history files are maintained by VEDA. On request, VEDA will provide a copy of your credit history to yourself or any third party you authorise.
The simplest way to minimise interest repayments over the life of your loan is to allocate as much income as you can to your mortgage while resisting the urge to reborrow anything through a redraw facility.
Fintech companies are leading the digital revolution. From splitting the bill with friends to buying your first home, fintechs are disrupting traditional models to bring customers a better user experience. Here are six local disruptors to look out for.
On the face of it buying a property at auction looks simple - the property is sold to the highest bidder. But as many stressed out property buyers will tell you, its more complicated than it looks. If you want to be the successful bidder and secure your ideal home or investment property, you need
Your home loan is likely going to be the biggest debt you have in your life. Getting it repaid quickly frees up your money for other things.
Most Australians think they’ll own their homes outright by the time they retire, but a new report details how mortgage debt among older Australians blew out by 600% between 1987 and 2015.
As the COVID-19 crisis subdues the economy, many people are losing their jobs or having their hours and incomes cut. Fortunately, the government is offering financial assistance to help people through the tough times. Here’s what you need to know.
Will investors continue to slay in 2018 or is it finally the time for first home buyers to capture a piece of the property market?
To build your own property, you’ll usually have to apply for a construction loan, which differs to a regular home loan. Most lenders release the money in instalments, relating to each stage of construction.
Want to know how long refinancing your home will take? Curious to know if you could get it done by the end of 2020? Find out more at the UNO website.
“Oftentimes our conveyancer was atrocious with her availability and guiding us as first home owners through the process, so UNO would act in that role.”
We provide information to the big question everyone's asking - should I buy or rent? Our pros and cons will help you determine which option is better and cheaper. Win!
You can invite your partner to share your uno account within the Settings section of your uno dashboard, when you’re logged in.
With our states in and out of lockdown, and many of us spending more time at home, Aussies have been rushing to 'spring clean' their home loan. Why? Because Aussies are realising that staying just a little more active on their home loan can mean some seriously big savings.
UNO Home Loans can help any first home buyer, such as 34-year-old David from NSW, get a loan that suits individual needs. See our mortgage calculator.
A changing industry presents opportunities to review the way brokers deliver ongoing value to customers, says UNO CEO Anthony Justice.
So the interest-only term on your mortgage is about to end? Let’s look at your options
Buying a first home is a very personal decision, because everyone’s tastes and needs are different.
Buying a foreclosed property is not the same as buying a regular property. These 5 easy tips will help you win at buying properties at low prices.
We've got the tips and tricks to help you win at auction. Visit our official site and learn more about how to bid at auction.
When you refinance your home loan, it’s often to get a better interest rate than you have on your current home loan, in order to pay off your mortgage faster like a pro. This will save money in the long term.
If you’re the sole employee of your own company, you can apply for a low doc home loan. To assess your finances, lenders will ask you to provide your ABN.
Changing interest rates can come back to hurt you if you have a standard variable rate home loan. A split mortgage offers a middle-ground, but you need to keep a few things in mind before applying for one.
If you are suffering financial hardship as a result of the coronavirus pandemic you are allowed to withdraw $10,000 before June 30 and another $10,000 between July 1 and September 24 out of your superannuation account to help you through the hard times.
You may have multiple options available to you when looking for a home loan – which can make it difficult to choose the right one.
The Block winners Shannon and Simon Vos know a great deal about homes and renovating but admitted they weren’t so savvy when it came to home loans.
Like many parents, Christine Freney wanted to help her kids on the path to home ownership. But it’s never been more difficult for young people to secure an affordable home. Find out how UNO helped Christine and her son secure the perfect loan – together.
The idea of moving to greener pastures and setting up a hobby farm may appeal to you. However, it’s often difficult to finance the venture. You may find that many lenders won’t offer you a standard home loan for your hobby farm.
We’d all like more cash to put towards our home loan or house deposit. Here are five money-saving apps to help you save on a day-to-day basis.
How much a lender will let you borrow varies from bank to bank, but it will broadly depend on your income, living expenses, existing loan repayments as well as a few other variables.
Lenders mortgage insurance comes to your rescue when you can’t make a large deposit. It can help you to buy your first home faster.
Forty per cent of Aussie mortgage holders don’t know the interest rate they’re paying on their home loan and are likely to be paying off their mortgage at a much higher rate than they should be.
It’s been a year of peaks and troughs for the Australian property market and today’s decision by the RBA to keep rates on hold at 1.50% is borne of a range of factors likely to shape the outcome of 2018.
There are a lot of frustrated buyers out there, overwhelmed by selling agents’ tactics and sick of underquoting. Buyer’s agents exist to help these people.
Understanding small home loan lenders and other types of institutions can help you gain an insight to their benefits and levels of risk. Find out more.
Why do lenders have to offer comparison rates for their home loans? Let’s untangle the legalities so you understand what a comparison rate is and why you should expect one from your lender.
You may have heard of people using the equity they have in their home to fund their investments. Here we’ll look at what equity is and how you can use it.
Most lenders don’t offer no-deposit home loans anymore – the risk attached to them is too high. However, with some lenders you can still access products with a loan-to-value ratio (LVR) of 95%.
Robyn Cott had a retirement plan – she would rent out her investment property and pay off her refinanced mortgages quickly while earning two income streams.
Saving for the deposit for a new home may be one of the hardest tasks you undertake. You need to save thousands of dollars before you can get a home loan. These tips will help you get there faster.
By calculating depreciation on your investment property, you may be able to claim an income tax deduction and lower your overall tax payment in a financial year.
From a 1970’s two-bedder south of Sydney to an enviable family pad in Coffs Harbour, Cath Fowler’s smart property choices have left her mortgage-free at 34. Here’s how she did it.
What is strata, what does it cover, and are they a good investment? These pros and cons will help you make a better decision when investing.
There are a lot frustrated buyers out there, overwhelmed by selling agents’ tactics and sick of underquoting. Buyer’s agents exist to help these people.
Our research shows 52% of Australians aren’t confident they’ve found the best home loan deal for them. Could you be paying too much on your mortgage?
Is the Coq au Vin pasture-raised? Just as the ethical food movement drastically changed the way we dine at restaurants, a financial startup is challenging the way Australians think about their super fund.
With so many home loan products available, it’s often difficult to choose the best one. While mortgage brokers can help, there are several steps you can take yourself to ensure you get a good product.
A recent uno survey found that 77% of mortgage holders view refinancing as a hassle. uno’s platform removes the hassle and lets you search for a better deal on your mobile phone in 10 minutes.
Yes, uno could help you find a better deal and save money by giving you the power to compare a range of options from major and specialist lenders across Australia.
UNO was built from the ground up as an Online Mortgage broker. We believe that high quality service can be provided without the need for being face to face and the benefits of not having to be face to face are overwhelming for the customer
An Expert Review is required so that we can help you choose the a home loan that meets your needs. A review gives our experts the chance to analyse your home loan shortlist and financial situation and recommend products that suit your circumstances.
We will need certain documents from you to recommend home loans and complete your application, including pay slips, bank statements and tax return documents.
UNO is not a comparison site but an Online Mortgage Broker. While we provide some tooling that you might see on a comparison site there are range of critical differences
An Automated Valuation Model (AVM) is an algorithm which uses statistical methods to value properties. An AVM is an estimate and should not be confused with a valuation from a registered property valuer.
About to take the plunge on a home loan? This handy guide helps you prepare an application without destroying your credit score
It’s bad news for the homeowner when a property enters foreclosure. However, it could mean good news for you, if you can bag a bargain. But there are some things you must keep in mind.
The idea of a mortgage holiday might sound attractive – who wouldn’t like a break from paying off their home loan? But this could turn into a sticky situation.
UNO fields questions about the First Home Owners Grant on a daily basis. Here, we break down the six most common questions we get asked, and answer them for you.
Bad credit affects more than the irresponsible. Bad credit can happen to anyone. Here’s how bad credit scores work, and how your score can affect your property purchase.
Calculate the benefit of a principal and interest loan over an interest-only loan for your investment property.
You don’t need to struggle along on your own to save a deposit for a home loan. A guarantor can grease the wheels. You could even get a 105% home loan in the right circumstances.
Too many credit enquiries could impact your credit score and prevent you getting approved for a home loan product.
A part-time job won’t preclude you from getting a home loan. You’ll just need to meet some specific criteria. Find out how lenders look at people working part-time and what you can do to improve your chances of getting a loan.
Australia’s economic chief is encouraging home mortgage holders to ask their bank for a better home loan deal or find a new bank. In a recent speech, Reserve Bank of Australia governor Philip Lowe said he’s very pleased to see that more people are switching banks to get lower mortgage interest rates.
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