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  • UHomeLoan
    from 2.49% p.a.[01]
    Owner-occupier P&I loans

    from 2.49% p.a.[01]
    Owner-occupier P&I loans

    Make the move to our award-winning home loan

    [01] Variable & comparison rate. The advertised variable rates apply for new customers. Includes discount offer.


No bank fees on variable rate loans

$0 application fee for variable rate, $0 ongoing fees, $0 annual fees.

a one-off $395 rate lock fee applies to fixed rate loans.

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. Call us on
13 30 80 anytime, day or night.

Flexibility with rate repayments on a variable rate home loan


Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan.

Money Magazine Cheapest Three-Year Fixed Home Loan Bank 2019

Money Magazine
Best of the Best 2019

Cheapest Three-Year Fixed
Home Loan Bank

UBank awarded Mozo Experts Choice 2018

Experts Choice 2018

Investor Home Loan 
Investor Fixed Home Loan

CANSTAR Bank of The Year 2018 - UBank

Bank of the year 2018
Fixed rate home loan

Outstanding Value 2017
Investor Variable Home Loan
Owner Occupied Variable Home Loan

Home loan calculators

Explore how the numbers add up




Australian-based team members


Simple products

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.