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

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

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

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.

buying a home

Property co-ownership

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

money matters

Saving money whilst working from home

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

money matters

How much should I save?

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

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.

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.

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

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?

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.

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

Financial wellness

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

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.

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

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

Loan to value ratio

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

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

Ethical investing

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

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.

buying a home

How to value a property

Step up your property valuation skills with our helpful guide.

money matters

Things you should know about super

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

money matters

What kind of saver are you?

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

money matters

Joint accounts

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

refinancing

Ready to refinance?

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

money matters

Rockin’ the gig economy

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

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

Granny flat investment

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

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

How the USpend sweep works

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

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

Financial life hack: link your accounts!

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

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.

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.

money matters

Green Term Deposits

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

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.

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

The perks of being a UBank cardholder

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

money matters

Smart ways to spend your tax return

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

money matters

Budgeting 101

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

refinancing

Top 5 mistakes to avoid when refinancing

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

money matters

Holiday super

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

money matters

How to tackle a food budget

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

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

Home loan eligibility

What you need to consider before getting a home loan.

buying a home

What is stamp duty?

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

buying a home

Taking control of your spending

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

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

The cost of being a millennial

How well do you know your financial footprint?

money matters

Short term vs. long term savings goals

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

buying a home

Meet Tracker

Our online home loan application solution

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.

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

Your property inspection checklist

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

refinancing

What you need to do before you refinance

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

money matters

The power of compound interest

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

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.

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

Your property investment questions, answered.

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

buying a home

What actually happens at settlement?

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

investing

The expenses of an investment property

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

buying a home

How to stick to your auction budget

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

investing

Can I afford an investment property?

Here's some things to consider.

buying a home

Agents, Solicitors & Conveyancers

Who does what when you’re buying a house?

buying a home

Comparison rates

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

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.

money matters

Financial minimalism

What is it, and why should you practice it?

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.

refinancing

Be the boss of your mortgage

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

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.

money matters

Top 5 savings myths debunked

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

refinancing

How much could you save by refinancing?

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

refinancing

Here’s what happens when you refinance

Spoiler alert: it’s simpler than you think.

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.

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

4 smart tips to manage your home loan

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

buying a home

Top 5 house-hunting tips

The house hunter’s guide to successful Saturdays.

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

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.

Saving money for the holiday season

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

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.

Property co-ownership

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

Saving money whilst working from home

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

How much should I save?

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

How To: Unlock Our USpend Bonus Interest Rate

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

USave vs. USpend

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

Tax time tips: The working from home edition

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

Renting vs buying

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

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?

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.

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?

Financial wellness

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

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.

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.

Creative ways to make passive income

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

Loan to value ratio

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

Electricity saving tips

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

Ethical investing

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

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.

How to value a property

Step up your property valuation skills with our helpful guide.

Things you should know about super

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

What kind of saver are you?

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

Joint accounts

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

Ready to refinance?

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

Rockin’ the gig economy

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

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.

Granny flat investment

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

Preparing for your home loan application

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

How the USpend sweep works

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

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.

Financial life hack: link your accounts!

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

How to save smart during sale season

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

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