As of 18 September 2026, the ubank Flex - Variable OO IO's variable owner-occupier interest-only variant has a comparison rate of 6.44% (6.40% advertised), ranking 13th of 68 variable owner-occupier interest-only loans. The product comes in 3 variants; the others are interest-only and other LVR bands.
6.44%comparison rate p.a.
6.40% advertised · Variable · Interest Only · Owner-occupier · ≤60% LVR
2 other variants: interest-only and other LVR bands below.
Rate over time
Comparison rate · Variable · Interest Only · Owner-occupier · ≤60% LVR- Flex - Variable OO IO · Variable · 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- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 6.44% comparison · 6.40% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.46% comparison · 6.44% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.51% comparison · 6.49% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- $21 a month
- Discharge fee
- $300
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $80,000
- Maximum loan
- $5,000,000
About this product
Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments (owner occupied, interest only loan).