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UHomeLoan

Information on the fixed and variable rate UHomeLoan for existing customers. Our UHomeLoan is no longer available for new customers.

UHomeLoan features

What's in it for you

  • No ongoing fees

    There are no ongoing or annual fees to pay and no application fees on a variable rate loan

    Note: A fee of $395 applies on a fixed rate home loan to lock in the advertised rate (as at the date of your application) for a period of time. This fee is waived for fixed rate loans that settle on or between 10 July 2020 and 30 September 2022. More on fees and charges.

  • Interest rate icon
    Flexible variable rate loans

    Unlimited extra repayments.
    Unlimited, free redraws.
    Flexible repayments (weekly, fortnightly or monthly principal and interest repayments)

  • Local support ready to help

    Our local home loan experts are here to help you every step of the way

  • Award icon
    We're award winning

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

Interest rates

UHomeLoan interest rates

Variableup to 80% LVR

Owner-occupier variable home loan rates
Rate typeInterest rate p.a.Comparison rate p.a.1
Discounted rate
Principal & interest (P&I)
2.84%
2.84%
Standard variable rate
Principal & interest (P&I)
3.67%
3.67%
Discounted rate
Interest only (IO)
3.63%
3.15%
Standard variable rate
Interest only (IO)
3.96%
3.79%

Variable80-85% LVR

Owner-occupier variable home loan rates, 80-85% LVR
Rate typeInterest rate p.a.Comparison rate p.a.1
Discounted rate
Principal & interest (P&I)
2.99%
2.99%
Standard variable rate
Principal & interest (P&I)
3.67%
3.67%
Discounted rate
Interest only (IO)
3.78%
3.31%
Standard variable rate
Interest only (IO)
3.96%
3.79%

FixedPrincipal and interest (P&I) up to 80% LVR

Owner-occupier fixed principal and interest home loan rates, up to 80% LVR
TermInterest rate p.a.Comparison rate p.a.1
1 year
3.74%
2.94%
3 year
4.99%
3.42%
5 year
5.19%
3.82%

FixedInterest only (IO) up to 80% LVR

Owner-occupier fixed interest only home loan rates, up to 80% LVR
TermInterest rate p.a.Comparison rate p.a.1
1 year
4.38%
3.00%
3 year
5.63%
3.59%
5 year
5.83%
4.10%

FixedPrincipal and interest (P&I) 80-85% LVR

Owner-occupier fixed principal and interest home loan rates, 80-85% LVR
TermInterest rate p.a.Comparison rate p.a.1
1 year
3.94%
3.10%
3 year
5.19%
3.58%
5 year
5.39%
4.00%

FixedInterest only (IO) 80-85% LVR

Owner-occupier fixed interest only home loan rates, 80-85% LVR
TermInterest rate p.a.Comparison rate p.a.1
1 year
4.58%
3.16%
3 year
5.83%
3.75%
5 year
6.03%
4.28%

P&I = Principal and interest
IO = Interest only
LVR = Loan to Value Ratio

1The 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.

Compare our loans

Compare our variable and fixed rate UHomeLoan

Compare our variable and fixed rate UHomeLoan
Variable rate
Gives you flexibility. You can easily make extra payments, redraw surplus funds and make changes to your home loan
Fixed rate
Gives you interest rate and repayment certainty for 1, 3 or 5 years
No application fees
A fee of $395 is payable to guard against any rate increases before settlement. This fee is waived for fixed rate loans that settle on or between 10 July 2020 and 30 September 2022*.
Flexible repayment options
Weekly, fortnightly or monthly for loans with P&I repayments
Weekly, fortnightly or monthly for loans with P&I repayments
Loan term
30 years
30 years
Split loans
You can split your UHomeLoan up to 4 times with a minimum split of $20,000
You can split your UHomeLoan up to 4 times with a minimum split of $20,000
Redraw
Easily access extra cash if you’re already ahead of your scheduled repayments
Not available
Additional repayments
Unlimited
Break costs may apply if you repay all, or any part, of your loan early
Max. loan to value ratio (LVR)
Up to 85% for Owner-occupier loans
Up to 80% for Investor loans
Up to 85% for Owner-occupier loans
Up to 80% for Investor loans
Loan size
Minimum of $100,000
Minimum of $100,000
Offset
Not available
Not available
  • Want the key facts?

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  • Manage loan icon

    Manage my UHomeloan

    Find out everything there is to know about making changes to your loan.

FAQs

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