As of 18 September 2026, the ubank Flex - Fixed OO P&I's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.37% (6.49% advertised), ranking 14th of 49 1-year fixed owner-occupier P&I loans. The product comes in 12 variants; the others are other fixed terms and other LVR bands.
6.37%comparison rate p.a.
6.49% advertised · 1yr Fixed · P&I · Owner-occupier · ≤80% LVR
11 other variants: other fixed terms and other LVR bands below.
Rate over time
Comparison rate · 1yr Fixed · P&I · Owner-occupier · ≤80% LVR- Flex - Fixed OO P&I · 1yr Fixed · P&I · 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 · P&I · Owner-occupier · ≤80% LVR
- 6.37% comparison · 6.49% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–85% LVR
- 6.93% comparison · 6.74% advertised
- 1yr Fixed · P&I · Owner-occupier · 85–90% LVR
- 7.21% comparison · 6.84% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.42% comparison · 6.54% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–85% LVR
- 6.95% comparison · 6.79% advertised
- 2yr Fixed · P&I · Owner-occupier · 85–90% LVR
- 7.20% comparison · 6.89% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.47% comparison · 6.59% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–85% LVR
- 7.00% comparison · 6.94% advertised
- 3yr Fixed · P&I · Owner-occupier · 85–90% LVR
- 7.24% comparison · 7.04% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.62% comparison · 6.74% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–85% LVR
- 7.10% comparison · 7.09% advertised
- 5yr Fixed · P&I · Owner-occupier · 85–90% LVR
- 7.31% comparison · 7.19% 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, principal and interest loan).