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
Neat variable
A low variable rate home loan with no ongoing annual fees. Great if you don’t need an offset account.
Variable rates from6.09% p.a.Owner occupiedP&Iup to 60% LVR6.11% p.a.Comparison rate1Your repayments
$3,249.07 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
Flex variable
Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments.
Variable rates from6.09% p.a.Owner occupiedP&Iup to 60% LVR6.33% p.a.Comparison rate1Your repayments
$3,249.07 per month
Based on a $500,000 principal and interest (P&I) loan over 25 years
What’s in it for you
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.
5.99% p.a.Owner occupiedP&Iup to 60% LVR6.32% p.a.Comparison rate1Your repayments
$3,218.45 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
Are you new to home loans? We’ve made it easy to learn the home loan lingo.
Compare our home loan options
Home loans, like homes, aren't one-size fits all
Neat variable Take it back to basics with no annual fee and low variable rates | Flex variable Pay off your loan faster with 100% interest offset on your linked ubank accounts | Flex fixed Lock in your rate for up to 5 years and budget with confidence | |
|---|---|---|---|
Redraw Take back any additional payments at no extra cost | up to $20K during fixed term | ||
Additional payments Pay back more than your minimum repayments for free | up to $20K during fixed term | ||
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 | $0 | $250 p.a. | $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
Home loan calculators
Crunch the numbers before you apply
Find out if you could save by refinancing with us
See how much you can borrow and what you'll pay
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 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
Already have a loan with us?
Find out everything there is to know about making changes to your loan.
Want the key facts?
We’ll give you the key facts you need to know about your preferred loan.
Tips and guides
Articles on home loans
