Flex fixed home loan
Why our Flex fixed home loan
What's a Flex fixed home loan?
With our Flex fixed home loans, lock in a rate and be certain of your repayments for up to 5 years. Pay off your loan faster by making additional payments up to $20K during your fixed term at no charge. You can also redraw up to $20K of your additional payments for free whenever you like, and split your Flex fixed home loan with our Flex variable home loan to get the best of both worlds.
Interest rates
Our Flex fixed home loan rates
The lower your LVR, the lower your rate.
FixedPrincipal and interest (P&I) with a
| Term | Interest rate p.a. | Comparison rate p.a. 1 |
|---|---|---|
1 year | 5.99% | 6.32% |
2 year | 5.79% | 6.27% |
3 year | 5.79% | 6.25% |
5 year | 5.79% | 6.20% |
FixedInterest only (IO) with a
| Term | Interest rate p.a. | Comparison rate p.a. 1 |
|---|---|---|
1 year | 6.39% | 6.36% |
2 year | 6.19% | 6.34% |
3 year | 6.19% | 6.35% |
5 year | 6.19% | 6.36% |
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 |
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Compare our home loans
See how this loan compares
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. |
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