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Variable & comparison rate

for new Owner Occupier loans.

Includes current discount offer.
More information

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


Comparison 3-year rate


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

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.

Infographic displaying rates getting lower

Your property Q's answered

The Lifestyle Channel's property expert Veronica Morgan took over the UBank Facebook page for a live Q&A session and answered your questions on buying, selling, auctions & the property market.

Head over to our blog for the transcript.

Join property expert Veronica Morgan on UBank's Facebook page 12pm today