Things to think about before investing in property

Whether it’s your first property or you’re a real estate guru, consider the pros and cons and crunch the numbers before investing in property.

  • Your investment goals: After passive income through rent? Long-term capital growth? Consider how an investment property could fit into your investment plan or chat with a financial advisor.

  • Property research: Look at recent sales data or speak to local real estate agents to get an idea of property prices, rental yields, and vacancy rates.

  • Consider the costs: There are additional costs for an investment property including property management fees, agents fees, repairs, and other landlord costs. Chat with your accountant to understand what expenses you can claim or offset.

Calculate your borrowing power

How much can 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 an investment loan with ubank?

  • 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

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    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.

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 either individually, or 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 an investment loan with us

Purchase or switch to a ubank home loan in 4 easy steps


Have any questions?

Ready to chat about investing?

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

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