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  • UHomeLoan

    from 1.85% p.a.
    3 year fixed rate

    2.24% p.a.

    Comparison rate[01]

    Owner Occupier P&I Loans up to 80% LVR

    Switch to $ave with an awards-winning
    home loan

    Switch to $ave with an award-winning home loan

    [01] Refer to ^Comparison rate warning for important info.


No ongoing fees

$0 ongoing fees, $0 annual fees.

A $395 rate lock fee applies to fixed rate loans. This fee is waived for fixed rate loans that settle on or between 10 July 2020 and 30 September 2020. More on fees and charges.

Apply online

Fast, easy apply

You’ll love our simple, supported online application process – you can start right now!

Customer support

Local support

Our local home loan experts are here to help you every step of the way.

Flexibility with rate repayments on a variable rate home loan


Choose between weekly, fortnightly or monthly repayments.

After your Fixed Rate period ends, the applicable interest rate will be the variable Principal & Interest rate we offer on similar facilities at the time. Currently this is 2.34% p.a. for Owner Occupier P&I loans, LVR up to 80% and 2.55% p.a. for Investor P&I loans, LVR up to 80%. Rates, repayments and interest charges are indicative only and subject to change.




Australian-based team members


Simple products

^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.

Next steps

Our application process is designed for your ease and convenience.

01 Start

Start your application with our easy step-by-step form on computer, tablet or mobile.


02 Approval in principle

We’ll call you to go through your application and confirm eligibility for the next stage.


03 Assessment 
& valuation

Upload your documents online for verification. We’ll arrange a property valuation and review your position and needs.


04 Formal

Once approval is confirmed, we’ll send you the Contract Pack to read and sign.
Normal lending criteria applies.