As of 18 September 2026, the ubank Flex - Fixed OO IO's 1-year fixed owner-occupier interest-only variant has a comparison rate of 6.38% (6.59% advertised), ranking 10th of 30 1-year fixed owner-occupier interest-only loans. The product comes in 4 variants; the others are interest-only and other fixed terms.
6.38%comparison rate p.a.
6.59% advertised · 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
3 other variants: interest-only and other fixed terms below.
Rate over time
Comparison rate · 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR- Flex - Fixed OO IO · 1yr Fixed · Interest Only · Owner-occupier
- RBA cash rate
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.38% comparison · 6.59% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.42% comparison · 6.59% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.47% comparison · 6.64% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.61% comparison · 6.79% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- $21 a month
- Discharge fee
- $300
- Redraw fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $80,000
- Maximum loan
- $5,000,000
About this product
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, interest only loan).