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loanScore Explained

loanScore is a simple way of seeing if the home loan you have at the moment is a good deal or not. We want you to know whether you are getting a good deal based on your circumstances such as the value of your property, the preferences you have for your loan

What is loanScore?

loanScore is a simple way of seeing if the home loan you have at the moment is a good deal or not. We want you to know whether you are getting a good deal based on your circumstances such as the value of your property, the preferences you have for your loan and other home loans currently available.

Using the information you give us, we calculate a score based on how the loan you have compares with loans from 30 lenders. We then give you a score out of 100 to indicate how good your current loan is. The higher the score, the better the deal.

loanScore does not necessarily tell you whether you would be approved for loans with a higher score. Calculating a loanScore does not assess your credit record for example. Each lender has its own lending criteria, so it is possible that loans with a higher score would not be available to you if, for example, you have a poor credit history.

On average, UNO loanScore subscribers could be saving over $17,000 by changing lenders with a better rate.

Check how good my loan is with loanScore

How do I use my loanScore?

loanScore helps you understand how close your loan is to the best deal available to you. The higher the score, the better the deal.

Once you know your loanScore, we can help you optimise your situation to save you money.

How is my loanScore calculated?

Your loanScore can change based on variables such as the interest rate, other loans available to you in the market and your personal circumstances, i.e. your borrower profile. Your loanScore is a point-in-time statement and should not be regarded as any kind of representation as to your future loanScore.

What does my loanScore mean?

The loanScore you receive is just a number. It’s designed to give you a quick and easy view of whether you have a home loan that compares well to the home loans available to you in the market at that point in time. UNO has designed a unique calculation to determine your loanScore at a given point in time.

Alongside your loanScore, you will see how much we think it might be possible to save by taking action to improve your home loan. This could be through talking to your existing lender, moving to another lender or by simply making some changes to the way you pay off your loan.

Why did my loanScore change?

Your loanScore can change for a number of reasons. Here are a few common ones:

  • Lenders change interest rates on various products regularly and introduce new lending products from time to time that you may be eligible for.
  • You changed the preferences for your loan. For example, if you choose to just compare against loans from the Big 4 banks, your loanScore might be different from when you compare with loans from all 30 lenders on our panel.
  • The value of your property changed. House prices rise and fall and the service we use to value your property will change the estimated value over time. The loans available to you will change depending on the loan size you are looking to borrow compared to the value of your property. Typically, the higher the percentage of your property value you are looking to borrow, the higher the interest rate you will be charged by your lender. So, if over time your house price goes up and the percentage you are borrowing falls, you might be able to get access to a better rate on your home loan.
  • If the way you use your property changes – lenders offer different rates for owner occupied properties than they do for investment properties. So, if you change the use of your property, the range of loans available to you will change.

Book in a quick call with our customer care team.

Find out your loanScore here​

*The average potential three (3) year savings of loanScore subscribers who change lenders is $17, 638. Your potential savings value may differ from this based on your individual circumstances. Terms and Conditions apply.


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Lahnie Cooper
March 26, 2025
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Jake Wood was a pleasure to work with and made this process extremely easy for me! I highly recommend Jake and the team at Uno.
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Daniel Demosthenous
March 18, 2025
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The team at UNO were absolutely fantastic at helping me set up and organise my new property purchase, Andrew answered all my questions promptly and went over and beyond to reassure me at any stage with his abundance of knowledge of the matter, also a big thank you to Dalby and Jena for helping with the process as well.
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February 20, 2025
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Scott Wilkinson and the team at Uno Mortgages were exceptional to work with. They were proactive, took the initiative at every stage, and kept us well-informed throughout the process. Their patience and relaxed approach made everything feel seamless, and we truly felt supported in achieving the best outcome for our needs. We highly recommend Scott and the Uno team for their professionalism and dedication!
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February 19, 2025
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Paul is great to deal with, he made the whole process super easy!
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