BankMate

Home loan · 1yr Fixed

Flex Fixed

Rate
Loan for
Repayments
Deposit

6.62%comparison rate p.a. · 6.74% advertised

1yr Fixed · P&I · Owner-occupier · ≤80% LVR

27th of 49 1-year fixed owner-occupier P&I loans

Go to ubank

The same choices at every rate type

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.

Offset account
No
Redraw
Yes
Extra repayments
Yes
Application fee
None
Ongoing fee
$21 a month
Discharge fee
$300
Compare all 311 home loans

1yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.62% comparison · 6.74% advertised
1yr Fixed · P&I · Owner-occupier · 80–85% LVR
7.18% comparison · 7.04% advertised
1yr Fixed · P&I · Owner-occupier · 85–90% LVR
7.46% comparison · 7.14% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.63% comparison · 6.84% advertised
1yr Fixed · P&I · Investor · ≤80% LVR
6.71% comparison · 6.79% advertised
1yr Fixed · P&I · Investor · 80–85% LVR
7.50% comparison · 7.09% advertised
1yr Fixed · P&I · Investor · 85–90% LVR
7.60% comparison · 7.19% advertised
1yr Fixed · Interest Only · Investor · ≤80% LVR
6.72% comparison · 6.89% advertised
2yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.67% comparison · 6.79% advertised
2yr Fixed · P&I · Owner-occupier · 80–85% LVR
7.20% comparison · 7.09% advertised
2yr Fixed · P&I · Owner-occupier · 85–90% LVR
7.46% comparison · 7.19% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.67% comparison · 6.84% advertised
2yr Fixed · P&I · Investor · ≤80% LVR
6.76% comparison · 6.84% advertised
2yr Fixed · P&I · Investor · 80–85% LVR
7.49% comparison · 7.14% advertised
2yr Fixed · P&I · Investor · 85–90% LVR
7.59% comparison · 7.24% advertised
2yr Fixed · Interest Only · Investor · ≤80% LVR
6.76% comparison · 6.89% advertised
3yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.72% comparison · 6.84% advertised
3yr Fixed · P&I · Owner-occupier · 80–85% LVR
7.26% comparison · 7.24% advertised
3yr Fixed · P&I · Owner-occupier · 85–90% LVR
7.50% comparison · 7.34% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.72% comparison · 6.89% advertised
3yr Fixed · P&I · Investor · ≤80% LVR
6.81% comparison · 6.89% advertised
3yr Fixed · P&I · Investor · 80–85% LVR
7.52% comparison · 7.29% advertised
3yr Fixed · P&I · Investor · 85–90% LVR
7.62% comparison · 7.39% advertised
3yr Fixed · Interest Only · Investor · ≤80% LVR
6.81% comparison · 6.94% advertised
5yr Fixed · P&I · Owner-occupier · ≤80% LVR
6.87% comparison · 6.99% advertised
5yr Fixed · P&I · Owner-occupier · 80–85% LVR
7.38% comparison · 7.39% advertised
5yr Fixed · P&I · Owner-occupier · 85–90% LVR
7.58% comparison · 7.49% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
6.86% comparison · 7.04% advertised
5yr Fixed · P&I · Investor · ≤80% LVR
6.94% comparison · 7.04% advertised
5yr Fixed · P&I · Investor · 80–85% LVR
7.59% comparison · 7.44% advertised
5yr Fixed · P&I · Investor · 85–90% LVR
7.69% comparison · 7.54% advertised
5yr Fixed · Interest Only · Investor · ≤80% LVR
6.94% comparison · 7.09% advertised

Application fee
None
Ongoing fee
$21 a month
Discharge fee
$300
Redraw fee
None

Offset account
No
Redraw
Yes
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$80,000
Maximum loan
$5,000,000

  • Flex Fixed · 1yr Fixed · P&I · Owner-occupier
  • RBA cash rate
5.006.00AugSepToday6.62% p.a. today
  1. Flex - Fixed INV IO4 variants up 0.14 to 0.229 days after the RBA rise to 4.60%
    All Interest Only · Investor · ≤80% LVR
    1yr Fixed6.506.72+0.22
    2yr Fixed6.566.76+0.20
    3yr Fixed6.636.81+0.18
    5yr Fixed6.806.94+0.14
    +0.14 to +0.22
  2. Flex - Fixed INV P&I12 variants up 0.13 to 0.229 days after the RBA rise to 4.60%
    All P&I · Investor
    1yr Fixed · ≤80% LVR6.496.71+0.22
    1yr Fixed · 80–85% LVR7.287.50+0.22
    1yr Fixed · 85–90% LVR7.387.60+0.22
    2yr Fixed · ≤80% LVR6.566.76+0.20
    2yr Fixed · 80–85% LVR7.297.49+0.20
    2yr Fixed · 85–90% LVR7.397.59+0.20
    3yr Fixed · ≤80% LVR6.636.81+0.18
    3yr Fixed · 80–85% LVR7.357.52+0.17
    3yr Fixed · 85–90% LVR7.447.62+0.18
    5yr Fixed · ≤80% LVR6.816.94+0.13
    5yr Fixed · 80–85% LVR7.457.59+0.14
    5yr Fixed · 85–90% LVR7.557.69+0.14
    +0.13 to +0.22
  3. Flex - Fixed OO P&I12 variants up 0.13 to 0.229 days after the RBA rise to 4.60%
    All P&I · Owner-occupier
    1yr Fixed · ≤80% LVR6.406.62+0.22
    1yr Fixed · 80–85% LVR6.967.18+0.22
    1yr Fixed · 85–90% LVR7.247.46+0.22
    2yr Fixed · ≤80% LVR6.476.67+0.20
    2yr Fixed · 80–85% LVR7.017.20+0.19
    2yr Fixed · 85–90% LVR7.267.46+0.20
    3yr Fixed · ≤80% LVR6.556.72+0.17
    3yr Fixed · 80–85% LVR7.097.26+0.17
    3yr Fixed · 85–90% LVR7.337.50+0.17
    5yr Fixed · ≤80% LVR6.736.87+0.14
    5yr Fixed · 80–85% LVR7.247.38+0.14
    5yr Fixed · 85–90% LVR7.457.58+0.13
    +0.13 to +0.22
  4. Flex - Fixed OO IO4 variants up 0.14 to 0.239 days after the RBA rise to 4.60%
    All Interest Only · Owner-occupier · ≤80% LVR
    1yr Fixed6.406.63+0.23
    2yr Fixed6.476.67+0.20
    3yr Fixed6.546.72+0.18
    5yr Fixed6.726.86+0.14
    +0.14 to +0.23
  5. Flex - Fixed OO IO4 variants up 0.02 to 0.11
    All Interest Only · Owner-occupier · ≤80% LVR
    1yr Fixed6.386.40+0.02
    2yr Fixed6.426.47+0.05
    3yr Fixed6.476.54+0.07
    5yr Fixed6.616.72+0.11
    +0.02 to +0.11
  6. Flex - Fixed INV IO4 variants up 0.03 to 0.11
    All Interest Only · Investor · ≤80% LVR
    1yr Fixed6.476.50+0.03
    2yr Fixed6.516.56+0.05
    3yr Fixed6.566.63+0.07
    5yr Fixed6.696.80+0.11
    +0.03 to +0.11
  1. Flex - Fixed INV P&I12 variants up 0.02 to 0.13
    All P&I · Investor
    1yr Fixed · ≤80% LVR6.476.49+0.02
    1yr Fixed · 80–85% LVR7.257.28+0.03
    1yr Fixed · 85–90% LVR7.347.38+0.04
    2yr Fixed · ≤80% LVR6.516.56+0.05
    2yr Fixed · 80–85% LVR7.237.29+0.06
    2yr Fixed · 85–90% LVR7.337.39+0.06
    3yr Fixed · ≤80% LVR6.566.63+0.07
    3yr Fixed · 80–85% LVR7.267.35+0.09
    3yr Fixed · 85–90% LVR7.367.44+0.08
    5yr Fixed · ≤80% LVR6.696.81+0.12
    5yr Fixed · 80–85% LVR7.327.45+0.13
    5yr Fixed · 85–90% LVR7.427.55+0.13
    +0.02 to +0.13
  2. Flex - Fixed OO P&I12 variants up 0.03 to 0.14
    All P&I · Owner-occupier
    1yr Fixed · ≤80% LVR6.376.40+0.03
    1yr Fixed · 80–85% LVR6.936.96+0.03
    1yr Fixed · 85–90% LVR7.217.24+0.03
    2yr Fixed · ≤80% LVR6.426.47+0.05
    2yr Fixed · 80–85% LVR6.957.01+0.06
    2yr Fixed · 85–90% LVR7.207.26+0.06
    3yr Fixed · ≤80% LVR6.476.55+0.08
    3yr Fixed · 80–85% LVR7.007.09+0.09
    3yr Fixed · 85–90% LVR7.247.33+0.09
    5yr Fixed · ≤80% LVR6.626.73+0.11
    5yr Fixed · 80–85% LVR7.107.24+0.14
    5yr Fixed · 85–90% LVR7.317.45+0.14
    +0.03 to +0.14

Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.

Lock in your interest rate for 1, 2, 3, or 5 years and be certain of what your home loan repayments will be (owner occupied, principal and interest loan).

Also from ubank: Neat Variable 6.41% · Flex Variable 6.63%

As of 15 October 2026, the ubank Flex Fixed's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.62% (6.74% advertised), ranking 27th of 49 1-year fixed owner-occupier P&I loans. The product comes in 32 variants; the others are investor, interest-only, other fixed terms and other LVR bands. Its rate 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.