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Home loans
How can we help?
Home loans
Save $$ with our low rate home loans
Neat variable home loan from
6.09
%
p.a.
6.11
%
p.a.
Comparison rate1
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What are you looking to do?
Our home loans
Get ahead with the right home loan
Pick a home loan that works for you, whether you’re looking to invest or move into your dream home
We lend between $80K and $5M.
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Neat variable
A low variable rate home loan with no ongoing annual fees. Great if you don’t need an offset account.
Variable rates from
X.XX
%
p.a
X.XX
%
p.a
Comparison rate¹
Variable rates from
X.XX
%
p.a
X.XX
%
p.a
Comparison rate¹
Your repayments
$
3,249.07
per month
Based on a $500,000 principal and interest (P&I) loan over 25 years
Your repayments
$
3,295.26
per month
Based on a $500,000 principal and interest (P&I) loan over 25 years
What’s in it for you
No annual fee
Make and redraw additional payments at no extra cost
What’s in it for you
No annual fee
Make and redraw additional payments at no extra cost
Flex variable
Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments.
Variable rates from
X.XX
%
p.a
X.XX
%
p.a
Comparison rate¹
Variable rates from
X.XX
%
p.a
X.XX
%
p.a
Comparison rate¹
Your repayments
$
3,249.07
per month
Based on a $500,000 principal and interest (P&I) loan over 25 years
Your repayments
$
3,310.72
per month
Based on a $500,000 principal and interest (P&I) loan over 25 years
What’s in it for you
Make and redraw additional payments at no extra cost
What’s in it for you
Make and redraw additional payments at no extra cost
Flex fixed
Lock in your interest rate for 1, 2, 3 or 5 years and be certain of what your home loan repayments will be.
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Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Thank you! Your submission has been received!
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Thank you! Your submission has been received!
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X.XX
%
p.a
X.XX
%
p.a
Comparison rate¹
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
X.XX
%
p.a
X.XX
%
p.a
Comparison rate¹
Your repayments
$
3,218.45
per month
Based on a $500,000 principal and interest (P&I) loan over 25 years
Your repayments
$
3,372.91
per month
Based on a $500,000 principal and interest (P&I) loan over 25 years
What’s in it for you
Lock in a rate for up to 5 years
Make and redraw additional payments up to $20K during your fixed term at no extra cost
What’s in it for you
Lock in a rate for up to 5 years
Make and redraw additional payments up to $20K during your fixed term at no extra cost
Compare our home loan options
Home loans, like homes, aren't one-size fits all
Redraw
Take back any additional payments at no extra cost
Additional payments
Pay back more than your minimum repayments for free
Split option
You can split your loan with a fixed rate and a variable rate
Offset account(s)
Reduce the amount of interest you pay each month with multiple offset accounts
Annual fee
To manage accounts and any changes across up to 5 Flex split loans
Flex variable
Pay off your loan faster with 100% interest offset on your linked ubank accounts
$250 p.a.
Ready to chat about a home loan?
Talk it over with one of our lending specialists.
Call us on (02) 9058 7404 Monday to Friday 9am-8pm, Sat and Sun 9am-6pm (Syd time)
Apply for home loan pre-approval to hit the open houses with full confidence in your finances
Why choose a ubank home loan
We're award winning
Don’t just take our word, our home loan awards speak for themselves
Apply from home
Skip the never-ending paperwork with our simple digital application
Talk with a real person
Get help from a friendly member of our Australian-based team
We’re award winning
That’s a win for you too
Our customers reap the benefits of our award-winning home loans.
Apply online for a loan
Get a loan without stepping a foot out of home
See if we’re a good fit
Check you’re eligible for a ubank home loan
Apply without the paperwork
Complete our online application or talk with a lending specialist
Get a decision ASAP
If your application hits the mark, we’ll let you know you’ve been approved
Accept your offer and relax
Review and accept your loan documents online, then wait for settlement
Let's pass the mic to our lawyer
Read our Home Loan Terms.
Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements.
Home loan information and interest rates are subject to change.
1Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only.
WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet.
Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage.
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Apply with us today
Do it all from home with our simple digital loan application.
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