Home loan · Variable
Flex Variable
6.63%comparison rate p.a. · 6.39% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
63rd of 91 variable owner-occupier P&I loans
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
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- $21 a month
- Discharge fee
- $300
- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.58% comparison · 6.34% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.58% comparison · 6.34% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.63% comparison · 6.39% advertised
- Variable · P&I · Owner-occupier · 80–85% LVR
- 7.17% comparison · 6.94% advertised
- Variable · P&I · Owner-occupier · 85–90% LVR
- 7.47% comparison · 7.24% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 6.69% comparison · 6.65% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.71% comparison · 6.69% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.76% comparison · 6.74% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.68% comparison · 6.44% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.73% comparison · 6.49% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.78% comparison · 6.54% advertised
- Variable · P&I · Investor · 80–85% LVR
- 7.52% comparison · 7.29% advertised
- Variable · P&I · Investor · 85–90% LVR
- 7.62% comparison · 7.39% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.75% comparison · 6.65% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.80% comparison · 6.69% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.85% comparison · 6.74% advertised
- Application fee
- None
- Ongoing fee
- $21 a month
- Discharge fee
- $300
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $80,000
- Maximum loan
- $5,000,000
- Flex Variable · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- 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 - 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% LVR 6.33 6.58 +0.25 60–70% 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 - Flex - Variable INV P&I5 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · P&I · Investor
≤60% LVR 6.43 6.68 +0.25 60–70% LVR 6.48 6.73 +0.25 70–80% LVR 6.53 6.78 +0.25 80–85% LVR 7.27 7.52 +0.25 85–90% LVR 7.37 7.62 +0.25 - Flex - Variable OO IO3 variants up 0.259 days after the RBA rise to 4.60%+0.25All Variable · Interest Only · Owner-occupier
≤60% LVR 6.44 6.69 +0.25 60–70% LVR 6.46 6.71 +0.25 70–80% LVR 6.51 6.76 +0.25
Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.
Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments (owner occupied, principal and interest loan).
Also from ubank: Neat Variable 6.41% · Flex Fixed 6.62%
As of 15 October 2026, the ubank Flex Variable's variable owner-occupier P&I variant has a comparison rate of 6.63% (6.39% advertised), ranking 63rd of 91 variable owner-occupier P&I loans and sitting 0.09 points above the market average of 6.54%. The product comes in 16 variants; the others are investor, interest-only 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.