Helpful articles

Loads of helpful articles and stories to increase your knowledge and keep you financially fit. Find the latest tips on buying a home, refinancing, investing, spending and saving.

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buying a home

Principal and interest vs interest only loans

It’s important to pick the right loan for you.

buying a home

What is Lenders Mortgage Insurance?

Not all banks charge it. Find out why.

money matters

Teaching kids about money

From bargain hunting to budgeting, here’s seven ways to teach them how to manage money.

money matters

What is zero-based budgeting?

What is it and how does it work? Let’s take a look.

buying a home

Buying a second home

Here’s what you need to know about your second home loan.

money matters

Heading back to work after having a baby

We look at how to set up and maximise your back-to-work budget.

money matters

What living longer means for your super

It’s important to think about what that means for your super and savings.

money matters

How to manage debt

Breaking down debt can go a long way to getting it under control.

investing

How to invest like a (lady) boss

If you think investing is a man's game, think again.

buying a home

10 questions to ask when buying a home

List of questions you could ask the real estate agent.

money matters

How to save for a car

Here, we look at the key expenses and ways to supercharge your savings.

money matters

Bathroom renovations on a budget

Here’s some tips to keep it budget-friendly.

buying a home

What is a split home loan?

Choosing between a fixed interest rate and a variable rate can be tricky, get the best of both worlds.

money matters

New Year’s resolutions: How to do more for less

Here’s five budget-friendly ways to smash your ‘new year, new you’ goals.

buying a home

How and when to pay your home loan deposit

Here’s how to seal the deal when it comes to buying at auction or private sale.

buying a home

Your pre-settlement inspection checklist

Here’s 8 things to consider when doing your final walk-through.

buying a home

The difference between variable and fixed rate home loans

Read on for your guide to understanding both.

investing

Positive, neutral and negative gearing explained

Let’s look at the pros, cons and different ways you can gear an investment property.

money matters

What is a term deposit and how does it work?

Wanting to make a low-risk and simple investment? Here we look at the advantages of term deposits.

money matters

Saving money whilst working from home

Make the most of those sleep-ins (and savings!) while you can.

buying a home

Renting vs buying

Is it better to rent or buy a house? What are the pros and cons of renting?

money matters

How much rent can I afford?

Here’s some tips to work out what you can afford and ways to avoid rental stress.

money matters

How much should I save?

Supercharge your savings and figure out what percentage of your income you should be putting away.

buying a home

Property co-ownership

Find out more about the pros and cons of property co-ownership.

money matters

Saving money for the holiday season

Here’s some ways to both cut costs and save for the holidays to sleigh your Christmas budget ;)

money matters

How much super do I need?

Whether retirement is front of mind or out of mind, the choices you make now about super could affect future-you.

money matters

How to build an emergency fund, fast.

If your emergency fund is a little low, give these tips a go and look for everyday savings.

buying a home

Can a HECS-HELP debt affect your home loan application?

We’ll answer that, and other HECS-HELP debt questions you might have.

money matters

What is rentvesting?

And how could it help you buy a property faster?

money matters

Electricity saving tips

Here’s some of the best energy saving hacks that’ll have your household running efficiently in no time.

money matters

Creative ways to make passive income

When considering what’s right for you, choose one that works best for your skillset and your pocket.

buying a home

A guide to buying your first home

Our step by step guide to applying for and buying your first home.

money matters

Saving tips for students

Enjoy everything that student life has to offer, while being smart about what you can save.

money matters

Tax time tips: The working from home edition

Here, we talk about the expenses you may (and may not) be able to claim back.

money matters

Things you should know about super

5 key areas that could help with building your retirement funds.

money matters

Financial wellness

Here’s some guidance on reducing financial stress and increasing your financial wellbeing.

money matters

Ethical investing

How your short-term gains could have long-term impacts.

buying a home

Loan to value ratio

Everything you need to know about loan to value ratio (LVR).

buying a home

How to value a property

Step up your property valuation skills with our helpful guide.

money matters

When’s the right time to start saving?

Taking action and responsibility with your money now could really help set you up in the future.

money matters

Cost of having a baby

How much does it cost to have a baby? And how much will it cost over the next 18ish years?

refinancing

The benefits of refinancing your home loan

Find out if you could be saving stacks of cash by simply switching banks and starting your refinancing journey today.

money matters

Rockin’ the gig economy

A beginner’s guide. Here’s our tips and tricks on how it could work for you.

refinancing

Ready to refinance?

Our handy checklist will ensure you’re ticking all the boxes.

money matters

Financial life hack: link your accounts!

There’s nothing we love more than simple, streamlined finances.

buying a home

Preparing for your home loan application

Here's our guide to the things you can do before applying for a home loan.

money matters

Joint accounts

What is a joint account? And how can they make life easier?

money matters

Granny flat investment

Here’s what you need to know about building and renting out a granny flat.

money matters

How the USpend sweep works

You work hard for your money. Make it work hard for you with our transaction account.

money matters

How To: Unlock Our USpend Bonus Interest Rate

We want to help you unlock an awesome rate on your savings.

money matters

USave vs. USpend

Here's the difference between our USave savings account and USpend transaction account.

refinancing

How refinancing makes consolidating money simpler

Here are 3 steps to refinancing your home loan.

money matters

Saving tips for a wedding

We’re here to help you save money on your dream day.

money matters

Active vs. dormant accounts – what’s the difference?

Why you should keep your account active, and how to reactivate it, if you ever need to.

refinancing

Top 5 mistakes to avoid when refinancing

Before you forge ahead, here are some key roadblocks you want to avoid.

money matters

Green Term Deposits

With our Green Term Deposits, you could give your savings and give the low carbon economy a boost.

money matters

Smart ways to spend your tax return

Our tips and tricks will have you thinking outside the box this EOFY.

money matters

How to save smart during sale season

A clever and well-thought-out plan could help you save and spend during sale season.

refinancing

The cost of refinancing your home loan

We keep things simple at UBank. You’ll be happy to hear we don’t charge any bank fees!

money matters

Saving for a house deposit whilst renting

With a plan in place, you’ll be ready to apply for a home loan, and secure that dream home.

money matters

How to tackle a food budget

7 top tips to help you take control of your next shop.

money matters

Budgeting 101

With the proper tools, budgeting could be easier than you think.

money matters

Holiday super

(Ad)venture capital: How living overseas could affect your super.

money matters

What kind of saver are you?

Find out which savings product could help you hit your financial goals.

money matters

Switching your childhood bank

Still with your childhood bank? It might be time to make the switch.

money matters

Money discussions in relationships

How to address those all-important money discussions in your relationship.

buying a home

Taking control of your spending

How much can your spending impact on your potential loan amount?

investing

Top 6 tips for a first-time property investor

Thinking of dipping your toe into property investment? A few pointers before you dive in.

money matters

Short term vs. long term savings goals

Best tips and savings solutions, to help you become a saving superstar.

refinancing

What you need to do before you refinance

4 key things you should get your head around before plunging into the application process.

buying a home

What is stamp duty?

Understanding stamp duty so you can adjust your loan budget accordingly.

money matters

The power of compound interest

What is compound interest? And how can it boost your savings?

buying a home

6 people you need when buying a home

Our pick of the ultimate panel to help keep your eye on the prize.

buying a home

Your property inspection checklist

The top 8 things to inspect when it comes to house hunting

buying a home

Home loan eligibility

What you need to consider before getting a home loan.

money matters

Free2Spend and financially fit

You do your bit to stay on top of your fitness goals each day, but what about your financial health?

money matters

Get your finances in shape

Here's 4 easy ways to get your finances in shape for a better financial future.

investing

Your property investment questions, answered.

We asked Ben some of the most popular questions about property investment.

buying a home

How to stick to your auction budget

And 5 auction bidding strategies to help you come out on top.

buying a home

The cost of being a millennial

How well do you know your financial footprint?

buying a home

Top 5 indicators of a rising property market

Hot or not? The key property indicators to look out for.

money matters

Digital wallets are here!

If you’ve got Google Pay, Samsung Pay, FitBit Pay or Garmin Pay, you can now add your UBank card to the mix. Happy tapping!

investing

The expenses of an investment property

Extended costs you can expect to incur when buying an investment property.

investing

Can I afford an investment property?

Here's some things to consider.

buying a home

What actually happens at settlement?

We explain what property settlement is and what you can expect throughout the process.

buying a home

Comparison rates

What’s a comparison rate? And how is it calculated?

refinancing

Be the boss of your mortgage

Don’t let your mortgage call the shots! Here’s 4 tips to manage your home loan.

money matters

Grow your savings with a term deposit

The benefits of a term deposit and why it may be the perfect solution to help you save.

buying a home

What should you tell real estate agents?

4 things real estate agents don’t need to know.

money matters

Financial minimalism

What is it, and why should you practice it?

buying a home

Agents, Solicitors & Conveyancers

Who does what when you’re buying a house?

money matters

The perks of being a UBank cardholder

Unlock one of the best bonus interest rates out there when you sign up for one.

buying a home

How credit cards can impact your home loan application.

Read on to see how your credit card(s) could affect your borrowing power.

buying a home

Meet Tracker

Our online home loan application solution

money matters

A guide to saving smart during the silly season

5 easy ways to help you stay social this silly season and stick to your financial goals.

buying a home

UHomeLoan Tracker

It’s now easier than ever to manage your home loan application online.

money matters

Money Diaries: Chris and Duncan

Are you a spender or a saver? Chris and Duncan tell us about their spending habits.

money matters

Money Diaries: Emily and Sam

Are you a spender or a saver? Emily and Sam give us the low-down on their spending habits.

money matters

My finances, liberated

My Free2Spend diary – 9 weeks to financial freedom.

money matters

Pay on a Plate with Stephanie Bendixsen

See how Free2Spend helps the Australian TV presenter track her daily spending habits.

buying a home

Rookie mistakes to avoid at auction

Tips to ensure you make a confident debut come auction day.

money matters

Online identity check 101

Here’s what you need to know to successfully complete your online ID check.

buying a home

Top 5 house-hunting tips

The house hunter’s guide to successful Saturdays.

buying a home

7 home loan phrases you need to know

Here are 7 terms you’ll want to know when purchasing a new property.

refinancing

How much could you save by refinancing?

How refinancing can help you become a savvy (and satisfied) saver.

money matters

Top 5 savings myths debunked

“Save money while you’re young!” Easier said than done?! Time to smash some money myths.

refinancing

Here’s what happens when you refinance

Spoiler alert: it’s simpler than you think.

buying a home

4 smart tips to manage your home loan

Because having a mortgage doesn’t mean you should resign yourself to a life of sacrifices.

money matters

Why UBank is just the bank you need

How does UBank operate differently? And what benefits do we pass on to customers?

© UBank is a division of National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686. Terms of use available here. Are you experiencing financial difficulty? See how we can help.

UHomeLoan info: Credit is provided by AFSH Nominees Pty Ltd Australian Credit Licence 391192. UBank is the mortgage manager for UHomeLoan products. Govt charges may apply. The Comparison rate is based on a secured loan of $150,000 over the term of 25 years. ^WARNING: This Comparison rate applies only to the example or examples given. Different amounts and terms will result in different Comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison rate but may influence the cost of the loan.

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Helpful articles

Principal and interest vs interest only loans

It’s important to pick the right loan for you.

What is Lenders Mortgage Insurance?

Not all banks charge it. Find out why.

Teaching kids about money

From bargain hunting to budgeting, here’s seven ways to teach them how to manage money.

What is zero-based budgeting?

What is it and how does it work? Let’s take a look.

Buying a second home

Here’s what you need to know about your second home loan.

Heading back to work after having a baby

We look at how to set up and maximise your back-to-work budget.

What living longer means for your super

It’s important to think about what that means for your super and savings.

How to manage debt

Breaking down debt can go a long way to getting it under control.

How to invest like a (lady) boss

If you think investing is a man's game, think again.

10 questions to ask when buying a home

List of questions you could ask the real estate agent.

How to save for a car

Here, we look at the key expenses and ways to supercharge your savings.

Bathroom renovations on a budget

Here’s some tips to keep it budget-friendly.

What is a split home loan?

Choosing between a fixed interest rate and a variable rate can be tricky, get the best of both worlds.

New Year’s resolutions: How to do more for less

Here’s five budget-friendly ways to smash your ‘new year, new you’ goals.

How and when to pay your home loan deposit

Here’s how to seal the deal when it comes to buying at auction or private sale.

Your pre-settlement inspection checklist

Here’s 8 things to consider when doing your final walk-through.

The difference between variable and fixed rate home loans

Read on for your guide to understanding both.

Positive, neutral and negative gearing explained

Let’s look at the pros, cons and different ways you can gear an investment property.

What is a term deposit and how does it work?

Wanting to make a low-risk and simple investment? Here we look at the advantages of term deposits.

Saving money whilst working from home

Make the most of those sleep-ins (and savings!) while you can.

Renting vs buying

Is it better to rent or buy a house? What are the pros and cons of renting?

How much rent can I afford?

Here’s some tips to work out what you can afford and ways to avoid rental stress.

How much should I save?

Supercharge your savings and figure out what percentage of your income you should be putting away.

Property co-ownership

Find out more about the pros and cons of property co-ownership.

Saving money for the holiday season

Here’s some ways to both cut costs and save for the holidays to sleigh your Christmas budget ;)

How much super do I need?

Whether retirement is front of mind or out of mind, the choices you make now about super could affect future-you.

How to build an emergency fund, fast.

If your emergency fund is a little low, give these tips a go and look for everyday savings.

Can a HECS-HELP debt affect your home loan application?

We’ll answer that, and other HECS-HELP debt questions you might have.

What is rentvesting?

And how could it help you buy a property faster?

Electricity saving tips

Here’s some of the best energy saving hacks that’ll have your household running efficiently in no time.

Creative ways to make passive income

When considering what’s right for you, choose one that works best for your skillset and your pocket.

A guide to buying your first home

Our step by step guide to applying for and buying your first home.

Saving tips for students

Enjoy everything that student life has to offer, while being smart about what you can save.

Tax time tips: The working from home edition

Here, we talk about the expenses you may (and may not) be able to claim back.

Things you should know about super

5 key areas that could help with building your retirement funds.

Financial wellness

Here’s some guidance on reducing financial stress and increasing your financial wellbeing.

Ethical investing

How your short-term gains could have long-term impacts.

Loan to value ratio