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Variable & comparison rate

for new Owner Occupier,

Principal & Interest loans.
Includes discount offer.
Click here for more info

UBank's lowest ever fixed rate!

Looking for interest rate & repayment certainty? Lock in stability with a 3-year fixed rate home loan.


3-year fixed rate
Owner Occ P&I
loans only


Comparison rate


House with a sign out the front 'Lock in a low rate'

Looking to buy a new home or refinance? 
Our new UrHome property app is here to help.

Compare properties and make the right choice, based on your needs and situation, using estimated values, affordability, personal ratings and improvement costs.


Get the UrHome app by UBank on tablet and mobile devices

Maximise your savings with a 1.06% p.a. Ultra Bonus Rate

Open a USaver savings account with a USaver Ultra transaction account & receive the 1.06% p.a. Ultra Bonus Rate on your linked USaver savings account. We reward you for saving & you pay no monthly fees.

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USaver Ultra Visa Debit Card with Ultra Bonus Rate


Why our interest rates are so competitive

We're an online bank – since we have no branches, we have significantly fewer costs than traditional banks. We pass these savings straight to you by offering some of the best rates around.

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