Getting a home loan

Start your home buying journey to get on the financial fast track

Buying your first home, next home, or investing? We can help you on your home loan journey with loan options and great people to chat with.

Start below with crunching the numbers, check our eligibility, explore a few tips for buying a property, kick off your application easily online, or speak to one of our lending specialists. Once you’ve been pre-approved, you can then shop with confidence for the perfect property.

Borrowing capacity

How much could I borrow?

Let’s crunch the numbers. Just input your income and expenses, and our borrowing calculator will estimate how much you could borrow and what the repayments would be.

Important: The estimated amount you could potentially borrow is a guide only. This calculator doesn’t take into account your individual circumstances. The interest rate applied is the current interest rate for a ubank home loan with principal and interest payments and varies depending on the product you have selected. This calculator assumes principal and interest repayments. Rates and repayments are indicative only and subject to change. If you proceed with a home loan application we’ll ask you to provide further details of your income and expenses. If you want to know more, check out ‘Additional calculator information’ below. Refer to ‘Lets pass the mic to our lawyer’ for important information on our Comparison rates.

Trends in the Aussie property market

Read our latest property report for house and unit growth, market outlook and what suburbs are hot across Australia.

Why choose a ubank home loan

  • Award winning home loans

    Get a mix of options with a great value award-winning home loan

  • pay off loan faster
    Pay down your loan faster

    With an offset account(s) and unlimited repayments (on a Flex Variable rate loan)

  • Talk with a real person

    Get help from a friendly member of our Australian-based team, 7 days a week

  • Stop watch icon
    Get a quick decision

    Apply online or talk to our specialists for a quick decision and easy application

We’re award winning

That’s a win for you too

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

Compare our interest rates for a low LVR if you’ve got a juicy deposit or large equity in a current home

Home loan eligibility

Let’s see if we’re a good match

You can have a max of 2 applicants. To be eligible, each applicant needs to:

  • be 18 years old or over

  • be an Australian or New Zealand citizen, or a permanent resident of Australia

  • live in Australia

  • be employed on a permanent, casual or contract basis (we don’t lend to self-employed individuals)

  • have a good credit rating (don’t worry, we’ll run the report for you)

  • be listed on the property title

  • be applying jointly with their spouse or de facto partner that they currently live with or intend to live with after settlement in the same household (you won’t be able to apply with a sibling or parent).

How to get a loan with us

Apply for a ubank home loan in 4 easy steps

Ready to chat about buying?

Talk it over with one of our lending specialists.
Monday to Friday 9am-8pm, Sat and Sun 9am-6pm (Syd time)

Buying a property

Get help on your home buying journey

  • Explore our home loan products

    Find out everything there is to know about our home loan offerings

  • Want the key facts?

    We’ll give you the key facts you need to know about your preferred loan.