ubank home loans
3 home loans with 20 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Neat VariableRedraw · no ongoing fee6.41%
- Flex VariableOffset account · redraw6.63%
- Flex FixedRedraw–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Often compared with: ING
October 20268 changes
- 9Fri
- Flex - Variable INV IO3 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · Interest Only · Investor
≤60% LVR 6.50 6.75 +0.25 60–70% LVR 6.55 6.80 +0.25 70–80% LVR 6.60 6.85 +0.25 - +0.14 to +0.22
- Flex - Variable OO P&I5 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · P&I · Owner-occupier
60–70% LVR 6.33 6.58 +0.25 ≤60% LVR 6.33 6.58 +0.25 70–80% LVR 6.38 6.63 +0.25 80–85% LVR 6.92 7.17 +0.25 85–90% LVR 7.22 7.47 +0.25 - Neat - OO Variable P&I5 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · P&I · Owner-occupier
60–70% LVR 6.11 6.36 +0.25 ≤60% LVR 6.11 6.36 +0.25 70–80% LVR 6.16 6.41 +0.25 80–85% LVR 6.71 6.96 +0.25 85–90% LVR 7.01 7.26 +0.25 - Flex - Fixed INV P&I12 variants up 0.13 to 0.229 days after the RBA rise to 4.60%+0.13 to +0.22All P&I · Investor
1yr Fixed · ≤80% LVR 6.49 6.71 +0.22 2yr Fixed · ≤80% LVR 6.56 6.76 +0.20 3yr Fixed · ≤80% LVR 6.63 6.81 +0.18 5yr Fixed · ≤80% LVR 6.81 6.94 +0.13 1yr Fixed · 80–85% LVR 7.28 7.50 +0.22 2yr Fixed · 80–85% LVR 7.29 7.49 +0.20 1yr Fixed · 85–90% LVR 7.38 7.60 +0.22 2yr Fixed · 85–90% LVR 7.39 7.59 +0.20 3yr Fixed · 80–85% LVR 7.35 7.52 +0.17 3yr Fixed · 85–90% LVR 7.44 7.62 +0.18 5yr Fixed · 80–85% LVR 7.45 7.59 +0.14 5yr Fixed · 85–90% LVR 7.55 7.69 +0.14 - Flex - Fixed OO P&I12 variants up 0.13 to 0.229 days after the RBA rise to 4.60%+0.13 to +0.22All P&I · Owner-occupier
1yr Fixed · ≤80% LVR 6.40 6.62 +0.22 2yr Fixed · ≤80% LVR 6.47 6.67 +0.20 3yr Fixed · ≤80% LVR 6.55 6.72 +0.17 5yr Fixed · ≤80% LVR 6.73 6.87 +0.14 1yr Fixed · 80–85% LVR 6.96 7.18 +0.22 2yr Fixed · 80–85% LVR 7.01 7.20 +0.19 1yr Fixed · 85–90% LVR 7.24 7.46 +0.22 2yr Fixed · 85–90% LVR 7.26 7.46 +0.20 3yr Fixed · 80–85% LVR 7.09 7.26 +0.17 3yr Fixed · 85–90% LVR 7.33 7.50 +0.17 5yr Fixed · 80–85% LVR 7.24 7.38 +0.14 5yr Fixed · 85–90% LVR 7.45 7.58 +0.13 - Neat - INV Variable P&I5 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · P&I · Investor
≤60% LVR 6.21 6.46 +0.25 60–70% LVR 6.26 6.51 +0.25 70–80% LVR 6.31 6.56 +0.25 80–85% LVR 7.06 7.31 +0.25 85–90% LVR 7.16 7.41 +0.25 - +0.14 to +0.23
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on ubank home loans
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As of 1 November 2026, ubank has three home loan products in 61 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.41% (Neat Variable), ranking 32nd of 93 variable owner-occupier P&I loans and sitting 0.17 points below the market average of 6.58%. Its rates last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.