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No, your credit rating is based on your credit history. Using uno won’t affect your credit history. Lenders refer to credit ratings when they consider loan applications.

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Helen is Head of Content at uno - the smarter, faster way to get a better home loan.

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© 2018 Planwise AU Pty Ltd trading as uno Home Loans ABN 81 609 882 804 Australian Credit Licence Number 483595. Planwise is majority owned by Westpac Banking Corporation.
*Terms & Conditions: Offer only available for refinance applications that are lodged with a lender via uno Home Loans (“uno”) between 15 January – 03 February 2019 and settled by 30 April 2019 (“promotional period”). Eligible Applicants will receive confirmation from uno that their home loan application has been lodged with a lender. Eligible Applicants will receive a one-time payment from uno of up to AUD$2,000 to reimburse the Eligible Upfront Loan Fees/Charges paid by the Eligible Applicant in relation to the particular home loan application following settlement of the home loan. Settlement of the home loan must occur within the promotional period. Eligible Upfront Loan Fees/Charges are limited to applicable establishment fees; legal/solicitor fees; settlement fees; and/or discharge fees detailed in the uno Credit Proposal. Eligible Upfront Fees/Charges do not include any fixed term break costs; stamp duty; loan mortgage insurance; valuation fees; and/or rate lock fees. uno will reimburse the value of the Eligible Upfront Fees/Charges listed in the uno Credit Proposal up to AUD$2,000. If the Eligible Upfront Fees/Charges detailed in the uno Credit Proposal exceed the value of AUD$2,000, the Eligible Applicant will receive a one-time payment of AUD$2,000. If the Eligible Upfront Fees/Charges detailed in the uno Credit Proposal are less than the value of AUD$2,000, the Eligible Applicant will receive a one-time payment equal to the Eligible Upfront Fees/Charges detailed in the uno Credit Proposal. Offer limited to one payment per main applicant. Multiple applications submitted by the same main applicant are not eligible for multiple payments. uno will be in contact with the main applicant upon settlement of the home loan application to confirm the payment details. Payment time is up to six (6) weeks after confirmation of main applicant’s payment details. All loan applications are subject to uno assessment and lender approval. Only home loan applications with a total loan amount greater than or equal to AUD$250,000 are eligible to receive the payment. This is a limited time offer and may be varied or withdrawn by uno at any time.*

Refinance with uno and get up to $2,000 of your switching fees refunded*

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