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Home loans
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Flex variable home loan
Own your dream home sooner
Pay off your loan faster with multiple offset accounts.
from
6.09
%
p.a.
6.33
%
p.a.
Comparison rate1
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Why our Flex variable home loan
What's a Flex variable home loan?
Whether you’re buying or refinancing, our Flex variable home loan gives you options. Get 100% interest offset across multiple Spend, Bills and Save accounts and make as many additional payments as you want at no charge. For the perfect balance of flexibility and security, you can split your Flex variable home loan with our Flex fixed home loan.
What’s in it for you
Pay off your loan faster
Make as many additional payments as you like for free
Apply from home
Skip the never-ending paperwork with our simple digital application
Redraw freely
It’s free to redraw additional payments when you need them
Variable Principal and interest (P&I)
Variable
Principal and interest (P&I)
Up to 60%
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Up to 70%
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Up to 80%
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Up to 85%
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Flex standard variable rate
Standard base rate referenced in our loan contracts
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Variable Interest only (IO)
Variable
Interest only (IO)
Up to 60%
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Up to 70%
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Up to 80%
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Flex standard variable interest only rate
Standard base rate referenced in our loan contracts
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Variable Principal and interest (P&I)
Variable
Principal and interest (P&I)
Up to 60%
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Up to 70%
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Up to 80%
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Flex standard variable investment rate
Standard base rate referenced in our loan contracts
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Variable Interest only (IO)
Variable
Interest only (IO)
Up to 60%
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Up to 70%
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Up to 80%
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Flex Standard Variable Investment Interest Only Rate
Standard base rate referenced in our loan contracts
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Fees
Here's what you'll pay
These are the fees you’ll pay with our Flex fixed home loan. Depending on how you use your loan, you may have to pay other fees and charges.
Fees
Charges
Loan advance fee
To prepare your loan documents and arrange settlement of the loan.
$250
Valuation fee
We’ll cover the first valuation up to $360.
Free
up to $360
Rate lock (optional)
Lock in your fixed rate for 90 days from your application date.
$500
Annual fee
To manage accounts and any changes across up to 5 Flex split loans.
$250 per year
Discharge fee
To discharge your property at your request.
$300 per property
Ready to apply?
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 fast
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
Compare our home loans
See how this loan compares
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.
Compare all our interest rates and fees
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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