Home buyer

Buying a home with a ubank home loan

Neat variable home loan from

6.14%

p.a.

Owner occupiedP&Iup to 60% LVR

6.16%

p.a.

Comparison rate¹

Apply now

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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.

Read our property report

Why choose a ubank home loan

Award winning home loans
Get a mix of options with a great value award-winning home loan
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
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 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).

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

View rates and fees

How to get a loan with us

Applying for a pre-approval is easy

1. See if we’re a good fit

Read our eligibility criteria and see if you’re eligible for a ubank loan
2. Apply online

Easy online application or talk with a lending specialist
3. Get a decision ASAP

If your application hits the mark, you’ll get an approval fast
4. Start home-hunting

Hit the open houses with full confidence in your finances

Apply for pre-approval

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)

Book a call

Buying a property

Get help on your home buying journey

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Check out our guides

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

Explore home loans
Want the key facts?
We’ll give you the key facts you need to know about your preferred loan.

Get your key facts sheet

Rates are subject to change. The rates that are shown may not be the rates that apply to your loan. We have not taken into account any fees or charges.

Repayments are indicative only. When calculating repayments we have had to make a number of assumptions which may affect the accuracy of the amounts shown. They include:

Loan amount

The loan amount and estimated property value is the amount entered by you. Ubank’s loans have a maximum loan to value ratio (LVR) of 85%. Therefore, the loan amount will be the lesser of your current loan balance entered or 85% of the estimated property value entered.

Interest rates

Where you have selected both a ‘variable’ interest rate along with ‘A low interest rate and no ongoing fees’, we have applied the current interest rate for a ‘Neat home loan’. If you have selected both a ‘variable’ interest rate along with ‘Ability to reduce repayments with 100% interest offset’ we have applied the current interest rate for a ‘Flex home loan – variable’.

Where you have selected a ‘fixed’ interest rate type, we have applied the current interest rate for ‘Flex home loan – fixed’.

As rates are subject to change, the rate that is current today (both variable or fixed) may not be the rate that applies to your loan.

That any variable interest rate displayed will not change during the term of your loan. We do this as we can’t predict what rates will do in the future.

That at the end of any fixed rate period, a variable rate will apply.

Interest and repayment cycles

That repayments are made monthly. If you have chosen to view your savings on an annual basis, we have taken the monthly amount and multiplied it by 12. As the figures displayed are to the nearest dollar, this may not be a precise conversion.

That your annual interest charge is divided equally over 12 monthly payments. In reality, interest is typically calculated daily and charged at the same frequency and on the same day as repayments are made.

That interest is charged to the loan account at the same frequency and on the same day as the repayments are made (this may not be the case for your loan).

Home buyer

Buying a home with a ubank home loan

Getting a home loan

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

Borrowing capacity

How much could I borrow?

Why choose a ubank home loan

We’re award winning

That’s a win for you too

Home loan eligibility

Let’s see if we’re a good match

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

How to get a loan with us

Buying a property

Get help on your home buying journey

I’m buying my first home

I’m looking to invest

Tips and guides

Explore a few tips to buying a property

Explore our home loan products

Want the key facts?

Ready to get a home loan with ubank?