Our home loans

Get ahead with the right home loan

Pick a home loan that works for you, whether you’re looking to invest or move into your dream home

Loan type
  • Neat variable

    A low variable rate home loan with no ongoing annual fees. Great if you don’t need an offset account.

    Variable rates from
    6.09% p.a.
    Owner occupiedP&Iup to 60% LVR
    6.11% p.a.
    Comparison rate1

    Your repayments

    $3,249.07 per month

    Based on a $500,000 principal and interest (P&I) loan over 25 years

    What’s in it for you

    • No annual fee

    • Make and redraw additional payments at no extra cost

  • Flex variable

    Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments.

    Variable rates from
    6.14% p.a.
    Owner occupiedP&Iup to 60% LVR
    6.38% p.a.
    Comparison rate1

    Your repayments

    $3,264.43 per month

    Based on a $500,000 principal and interest (P&I) loan over 25 years

    What’s in it for you

    • 100% interest offset across multiple Spend, Bills and Save accounts

    • Make and redraw additional payments at no extra cost

  • Flex fixed

    Lock in your interest rate for 1, 2, 3 or 5 years and be certain of what your home loan repayments will be.

    6.74% p.a.
    Owner occupiedP&Iup to 60% LVR
    6.44% p.a.
    Comparison rate1

    Your repayments

    $3,451.40 per month

    Based on a $500,000 principal and interest (P&I) loan over 25 years

    What’s in it for you

    • Lock in a rate for up to 5 years

    • Make and redraw additional payments up to $20K during your fixed term at no extra cost

Are you new to home loans? We’ve made it easy to learn the home loan lingo.

Compare our home loan options

Home loans, like homes, aren't one-size fits all

Home loans comparison table
Neat variable
Take it back to basics with no annual fee and low variable rates
Flex variable
Pay off your loan faster with 100% interest offset on your linked ubank accounts
Flex fixed
Lock in your rate for up to 5 years and budget with confidence
Redraw
Take back any additional payments at no extra cost
up to $20K during fixed term
Additional payments
Pay back more than your minimum repayments for free
up to $20K during fixed term
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
$0
$250 p.a.
$250 p.a.

Home loan calculators

Crunch the numbers before you apply

Why choose a ubank home loan

  • Award icon
    We're award winning

    Don’t just take our word, our home loan awards speak for themselves

  • Great rates

    We offer a range of home loans with great interest rates

  • Digital application icon
    Apply from home

    Skip the never-ending paperwork with our simple digital application

  • Talk with a real person

    Get help from a friendly member of our Australian-based team

We’re award winning

That’s a win for you too

Our customers reap the benefits of our award-winning home loans.

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