What is Active Home Loan Management?

With our unique technology, UNO can proactively manage your home loan so you don't have to. Our customers get regular alerts and updates so they can see if they could be getting a better deal.

Our research has uncovered some uncomfortable facts about how little action most borrowers take to maintain a healthy home loan.

  • For example, 59% of consumers have never asked their lender or broker for a better rate since they took out their loan.
  • Most Australians stay with the same home loan product for more than five years.

Five years is a long time! In that time, a number of factors might have changed (rising or falling interest rates, rising or falling house prices, your job situation etc) that will have impacted how good that loan is today.

By not checking on your loan and doing something to change it if it’s no longer in good shape, you could be costing yourself a lot of money. We estimate Australians waste more than $4bn a year in excess interest paid on their mortgages.

That’s why UNO has pioneered Active Home Loan Management.

active home loan management means UNO is taking an active approach to making sure you have the best loan out there for your circumstances.

By keeping an active eye on your interest rate, comparable to other rates out there in the market, UNO makes sure you know you’re still on the best rate. And if you’re not? UNO makes sure you know that also.

We are invested in fighting home loan waste for you.

There are three stages to UNO’s Active Home Loan Management service:

First, you sign up to loanScoreTM, UNO’s unique technology that can check your loan against thousands of other home loan products in the market. You let us know how much you’d like to save, so we have a better idea of which rate products are going to suit your needs.

Secondly, when a rate (or rates) becomes available that will enable you to hit your savings threshold, we send you an email to let you know.

Finally, with your approval we negotiate a better deal with your lender to make sure you get that better rate – or switch you over to a better deal with an entirely different lender.

Already, loanScore customers have been shown to have a potential median 3-year saving of $10,901.

So, sit back and let UNO fight home loan waste for you. We’ll help Australians fight home loan waste today and for the whole time they have a home loan.



5 stars for our service reviews from clients

Book Call Now

UNO home loans

Try Plans, by UNO
Mortgage calculators completely reimagined
Get Started
Orange square icon with a black network-like symbol and the words 'Good' in green twice and 'Bad' in red in the bottom right corner on a white background.ANZ logo next to the words 'Possibly' in orange and 'Good' twice in green on a white background.White rectangular shape with rounded, scalloped corners on a transparent background.Logo with blue and purple geometric shield shape on left and three green words 'Good' arranged in a triangular layout on right.A dark blue letter Q with a red and turquoise diagonal arrow inside it, followed by the word 'Possibly' in orange, and the word 'Good' twice in green font on the right side.White rectangular shape with rounded, scalloped corners on a transparent background.Macquarie Bank logo on the left with the word 'Possibly' in orange and 'Good' written twice in green on the right.Suncorp Bank logo with the word Good repeated three times in green text on a white background.Yellow diamond shape with a black folded corner followed by the word 'Good' repeated three times in green text on a white background.
Considering a purchase or refinance?

Try Plans by UNO

Mortgage calculators completely reimagined
Get Started
☎️ 🚫 No cold call promise
Orange square icon with a black network-like symbol and the words 'Good' in green twice and 'Bad' in red in the bottom right corner on a white background.ANZ logo next to the words 'Possibly' in orange and 'Good' twice in green on a white background.White rectangular shape with rounded, scalloped corners on a transparent background.Logo with blue and purple geometric shield shape on left and three green words 'Good' arranged in a triangular layout on right.A dark blue letter Q with a red and turquoise diagonal arrow inside it, followed by the word 'Possibly' in orange, and the word 'Good' twice in green font on the right side.White rectangular shape with rounded, scalloped corners on a transparent background.Macquarie Bank logo on the left with the word 'Possibly' in orange and 'Good' written twice in green on the right.Suncorp Bank logo with the word Good repeated three times in green text on a white background.Yellow diamond shape with a black folded corner followed by the word 'Good' repeated three times in green text on a white background.

Related Articles

TESTIMONIALS

What our customers are saying

Angela
June 11, 2026
5 stars for our service reviews from clients
We had a fantastic experience working with Jesse and the team at UNO. Jesse made the refinancing process incredibly smooth and stress-free, keeping us informed every step of the way and always being available to answer our questions. We couldn't be happier with the outcome and would highly recommend Jesse to anyone looking for a mortgage broker. Thanks again!
Read more
Aleisha Smith
June 8, 2026
5 stars for our service reviews from clients
Paul was awesome for us, he made the process so easy and stress-free. We highly recommend him to anyone looking for a new home loan.
Read more
Syn
May 26, 2026
5 stars for our service reviews from clients
Scott is an outstanding broker! Nothing was ever too difficult - steered us in the best direction for our situation which wasn't the easiest! Always kept us abreast of what was achievable even when we didn't think it was. Created realistic expectations without losing site of the the ultimate goal. This is our second time working with Scott and his team at UNO and it was a no-brainer to return. They've earned our trust :) Highly recommend Scott if you want a knowledgeable, reliable and genuinely supportive broker - especially for this rollercoaster ride ! Thanks again Scott !!
Read more
Nicole Fornal
May 26, 2026
5 stars for our service reviews from clients
Nathalie Pelissier was professional yet empathetic to liaise with, making the whole remortgage process so easy. Excellent communication - we always knew which step we were at and able to ask for assistance if needed. Will definitely recommend Nathalie to friends and family.
Read more
Kassia Daley-smith
May 19, 2026
5 stars for our service reviews from clients
We had a generally good experience working with Paul Davey during the process of buying our home. Communication was okay throughout, and he was helpful in guiding us through the different steps along the way. Overall, everything was handled fairly smoothly and we appreciated the support provided.
Read more
Avneel Deo
May 15, 2026
5 stars for our service reviews from clients
Huge thanks to Scott Wilkinson for helping me secure my home loan and getting the deal settled smoothly meeting settlement. He went above and beyond throughout the whole process, he gave the real estate agents strong confidence in the deal, which definitely helped get the purchase across the line. Couldn’t recommend him enough — professional, reliable, and genuinely cares about getting the best outcome for his clients. Absolute legend. Thank you once again Scott
Read more
moon
May 13, 2026
5 stars for our service reviews from clients
Everything went smoothly thanks to Jake de Ruyter, he was on top of everything before we even had to ask and we didn't have to worry about a thing. THANK YOU JAKE!
Read more
Jack Chai
May 10, 2026
5 stars for our service reviews from clients
We had a fantastic experience working with Mike Parsons. We came to him with a relatively complicated financial situation that required more than just a standard application, and Mike was incredible at navigating the complexities. He didn't just give us one path forward; he provided several well-thought-out solutions tailored to our needs. Throughout the entire process, Mike’s communication was seamless. He followed up regularly and ensured we were kept posted at every milestone, which took a lot of the stress out of the experience. Thanks to his expertise and persistence, we successfully secured our loan. If you’re looking for a broker who is proactive, knowledgeable, and genuinely committed to getting a result, we highly recommend Mike!
Read more
Andrew Ockrim
May 8, 2026
5 stars for our service reviews from clients
Great experience with Uno. JAKE DE RUYTER was outstanding and delivered on the loan package proposed, where other brokers failed. Consultative, professional and responsive; got everything sorted when any problems arose, as they always do in finance. Just let him do his thing and it all gets done. Highly recommended.
Read more
Sean Elliman
May 7, 2026
5 stars for our service reviews from clients
Couldn’t recommend Paul Davey enough. As first home buyers, he made the whole process so much easier and less stressful. Always quick to reply, happy to answer any questions, and genuinely went above and beyond to help us secure our first home. Thanks again Paul, we really appreciate all your hard work!
Read more
Symone Macleod
April 28, 2026
5 stars for our service reviews from clients
Paul and his team were amazing. We were new to Australia from NZ and he was so helpful and we got into our own house with ease. Thanks Paul - would highly recommend
Read more
Luke Sandy
April 22, 2026
5 stars for our service reviews from clients
Couldn’t recommend Mike Parsons highly enough. He’s a great communicator who guided us through every stage of the application and made the whole process feel easy.
Read more