Skip to the buying bit with Ubank’s 10% deposit home loans
Interest rates with 90% LVR
Here’s all our interest rates for 90% LVR home loans
Avoid LMI at Ubank
What is LMI?
Property Value | 10% Deposit | Loan Amount | LMI Payable |
|---|---|---|---|
$500,000 | $50,000 | $450,000 | $8,680 |
$1,000,000 | $100,000 | $900,000 | $22,392 |
$1,500,000 | $150,000 | $1,350,000 | $36,858 |
^LMI Payable is provided for general illustration purposes only. Source: Savings.com.au’s LMI Calculator, November 2025. Actual LMI costs depend on the provider and the individual loan.
Compare our home loan options
Home loans, like homes, aren't one-size fits all
Home loans comparison table
Take back any additional payments at no extra cost
Neat variable
Flex variable
Flex fixed
up to $20K during fixed term
Pay back more than your minimum repayments for free
Neat variable
Flex variable
Flex fixed
up to $20K during fixed term
You can split your loan with a fixed rate and a variable rate
Neat variable
Flex variable
Flex fixed
Reduce the amount of interest you pay each month with multiple offset accounts
Neat variable
Flex variable
Flex fixed
To manage accounts and any changes across up to 5 Flex split loans
Neat variable
$0
Flex variable
$250 p.a.
Flex fixed
$250 p.a.
Redraw
Take back any additional payments at no extra cost
Additional payments
Pay back more than your minimum repayments for free
Split option
You can split your loan with a fixed rate and a variable rate
Offset account(s)
Reduce the amount of interest you pay each month with multiple offset accounts
Annual fee
To manage accounts and any changes across up to 5 Flex split loans
up to $20K during fixed term
up to $20K during fixed term
$0
$250 p.a.
$250 p.a.
Ready to take the leap with a 10% deposit and no LMI?
Tips and guides
Tips to get you closer to your property goal
What is Lenders Mortgage Insurance?
5 Sep 2023
Buying a home is super exciting, but there are a few extra costs other than your property price. One is Lender's Mortgage Insurance, but not all banks charge it.
Read more
How much of my income should I save?
15 Sep 2026
Ever wondered how much you should be saving each paycheck? Figure out what percentage of your income you should be putting away.
Read more
Download the Home Buyer Survival Guide
23 Sep 2025
Navigate property with this helpful guide. For useful tips at each stage of the buying process, download it for free here.
Read more
All the fine print
