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2.74% p.a.
2.74% p.a.
3.14% p.a.
3.01% p.a.
2.09% p.a.
2.60% p.a.
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UHomeLoan
[01] Rate for new Investor Principal & Interest loans. Includes discount offer. Terms & Conditions apply.
Investor P&I
2.74% p.a.
Variable rate
2.74% p.a.
Comparison rate
Rates are for new Investor Principal & Interest loans. Includes Discount Offer.
Investor IO
3.14% p.a.
Variable rate
3.01% p.a.
Comparison rate
Rates for new Investor Interest Only loans. Includes Investor Extra Offer.
Fixed from
2.09% p.a.
3-year fixed rate
2.60% p.a.
Comparison rate
3-year fixed rates are for new Investor Principal & Interest loans.
Explore how the numbers add up
$0
Application fees on variable rate
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 31 March 2021. More on fees and charges.
$0
Ongoing fees
$0
Annual fees
About the application process
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Apply
Kick off your application in as little as 4 minutes. A home loan specialist will call you by the next business day.
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Documents & Valuation
We’ll need some documents to verify your situation and we’ll also do a valuation on your property.
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Loan Assessment
Before a loan is approved and we can make a formal offer, we need to assess your application.
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Loan Contract
We’ll send you a Contract Pack that contains all the legal documents we’ll need to settle your loan.
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Settlement
After you’ve returned all relevant documents, your settlement agent and ours will arrange for settlement.
Ready to get started?
Money Magazine
Best of the Best 2019
Cheapest Three-Year Fixed
Home Loan Bank
2019
Mozo
Experts Choice 2018
Investor Home Loan
Investor Fixed Home Loan
CANSTAR
Bank of the year 2018
Fixed rate home loan
Outstanding Value 2017
Investor Variable Home Loan
Owner Occupied Variable Home Loan
Got questions?
How long does it take to get a loan with UBank?
Overall, the process should take between 4 and 6 weeks to complete.
However, this depends on how quickly we receive all the relevant paperwork from you and the anticipated settlement periods (as determined by your solicitor or current lender if refinancing).
Along the way we’ll send you regular email updates confirming where you’re at and the next steps.
How do I redraw from my UHomeLoan?
If you have a variable rate UHomeLoan with available credit, you can redraw funds at any time, with no fees by logging in to My UHomeLoan.
Once you’ve logged in, go to Payments > Redraw.
If you request a redraw through My UHomeLoan by 11am EST, the funds will be transferred to your nominated account within 3 business days.
What is FastRefi and how does it work?
FASTRefi® allows a refinanced home loan to be fast-tracked and completed within as little as a few days after formal loan approval.
We calculate an estimated figure that includes any known exit fees and discharge fees that your existing lender will charge, plus a safety “buffer” allowance to ensure we have enough funds to pay out your existing lender.
The estimated figure will be included within your total approved loan amount. This enables UBank to pay out your existing loan very quickly – typically within a few days after receipt of your returned signed documents.
FASTRefi® isn’t available to all applicants and we’ll confirm at assessment whether your current lender is set up to settle your loan that way.
If you’re not eligible for FASTRefi® then we’ll still be able to settle your UHomeLoan as quickly as possible.
Who owns UBank?
We are part of the National Australia Bank. We’re developed and backed by the financial strength and global capabilities of NAB – one of Australia’s most established banks.
That said, our ideas, our people, our philosophy and our brand are uniquely UBank.
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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