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UBank home loan rates
11 home loan products and 61 published rates, checked 2 Nov, 12:05 am AEDT. UBank last updated its data 1 Nov 2026.
Rate changes
No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.
All UBank home loans
Flex - Fixed INV IO · 4 rates · from 6.89%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Investor, interest only | LVR up to 80% | 6.89% | 6.72% |
| 2 year fixed | Investor, interest only | LVR up to 80% | 6.89% | 6.76% |
| 3 year fixed | Investor, interest only | LVR up to 80% | 6.94% | 6.81% |
| 5 year fixed | Investor, interest only | LVR up to 80% | 7.09% | 6.94% |
Flex - Fixed INV P&I · 12 rates · from 6.79%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Investor, principal & interest | LVR up to 80% | 6.79% | 6.71% |
| 1 year fixed | Investor, principal & interest | LVR 80–85% | 7.09% | 7.50% |
| 1 year fixed | Investor, principal & interest | LVR 85–90% | 7.19% | 7.60% |
| 2 year fixed | Investor, principal & interest | LVR up to 80% | 6.84% | 6.76% |
| 2 year fixed | Investor, principal & interest | LVR 80–85% | 7.14% | 7.49% |
| 2 year fixed | Investor, principal & interest | LVR 85–90% | 7.24% | 7.59% |
| 3 year fixed | Investor, principal & interest | LVR up to 80% | 6.89% | 6.81% |
| 3 year fixed | Investor, principal & interest | LVR 80–85% | 7.29% | 7.52% |
| 3 year fixed | Investor, principal & interest | LVR 85–90% | 7.39% | 7.62% |
| 5 year fixed | Investor, principal & interest | LVR up to 80% | 7.04% | 6.94% |
| 5 year fixed | Investor, principal & interest | LVR 80–85% | 7.44% | 7.59% |
| 5 year fixed | Investor, principal & interest | LVR 85–90% | 7.54% | 7.69% |
Flex - Fixed OO IO · 4 rates · from 6.84%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Owner-occupier, interest only | LVR up to 80% | 6.84% | 6.63% |
| 2 year fixed | Owner-occupier, interest only | LVR up to 80% | 6.84% | 6.67% |
| 3 year fixed | Owner-occupier, interest only | LVR up to 80% | 6.89% | 6.72% |
| 5 year fixed | Owner-occupier, interest only | LVR up to 80% | 7.04% | 6.86% |
Flex - Fixed OO P&I · 12 rates · from 6.74%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| 1 year fixed | Owner-occupier, principal & interest | LVR up to 80% | 6.74% | 6.62% |
| 1 year fixed | Owner-occupier, principal & interest | LVR 80–85% | 7.04% | 7.18% |
| 1 year fixed | Owner-occupier, principal & interest | LVR 85–90% | 7.14% | 7.46% |
| 2 year fixed | Owner-occupier, principal & interest | LVR up to 80% | 6.79% | 6.67% |
| 2 year fixed | Owner-occupier, principal & interest | LVR 80–85% | 7.09% | 7.20% |
| 2 year fixed | Owner-occupier, principal & interest | LVR 85–90% | 7.19% | 7.46% |
| 3 year fixed | Owner-occupier, principal & interest | LVR up to 80% | 6.84% | 6.72% |
| 3 year fixed | Owner-occupier, principal & interest | LVR 80–85% | 7.24% | 7.26% |
| 3 year fixed | Owner-occupier, principal & interest | LVR 85–90% | 7.34% | 7.50% |
| 5 year fixed | Owner-occupier, principal & interest | LVR up to 80% | 6.99% | 6.87% |
| 5 year fixed | Owner-occupier, principal & interest | LVR 80–85% | 7.39% | 7.38% |
| 5 year fixed | Owner-occupier, principal & interest | LVR 85–90% | 7.49% | 7.58% |
Flex - Variable INV IO · 3 rates · from 6.65%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | LVR up to 60% | 6.65% | 6.75% |
| Variable | Investor, interest only | LVR 60–70% | 6.69% | 6.80% |
| Variable | Investor, interest only | LVR 70–80% | 6.74% | 6.85% |
Flex - Variable INV P&I · 5 rates · from 6.44%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, principal & interest | LVR up to 60% | 6.44% | 6.68% |
| Variable | Investor, principal & interest | LVR 60–70% | 6.49% | 6.73% |
| Variable | Investor, principal & interest | LVR 70–80% | 6.54% | 6.78% |
| Variable | Investor, principal & interest | LVR 80–85% | 7.29% | 7.52% |
| Variable | Investor, principal & interest | LVR 85–90% | 7.39% | 7.62% |
Flex - Variable OO IO · 3 rates · from 6.65%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, interest only | LVR up to 60% | 6.65% | 6.69% |
| Variable | Owner-occupier, interest only | LVR 60–70% | 6.69% | 6.71% |
| Variable | Owner-occupier, interest only | LVR 70–80% | 6.74% | 6.76% |
Flex - Variable OO P&I · 5 rates · from 6.34%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | LVR up to 60% | 6.34% | 6.58% |
| Variable | Owner-occupier, principal & interest | LVR 60–70% | 6.34% | 6.58% |
| Variable | Owner-occupier, principal & interest | LVR 70–80% | 6.39% | 6.63% |
| Variable | Owner-occupier, principal & interest | LVR 80–85% | 6.94% | 7.17% |
| Variable | Owner-occupier, principal & interest | LVR 85–90% | 7.24% | 7.47% |
Neat - INV Variable IO · 3 rates · from 6.65%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, interest only | LVR up to 60% | 6.65% | 6.55% |
| Variable | Investor, interest only | LVR 60–70% | 6.69% | 6.60% |
| Variable | Investor, interest only | LVR 70–80% | 6.74% | 6.65% |
Neat - INV Variable P&I · 5 rates · from 6.44%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Investor, principal & interest | LVR up to 60% | 6.44% | 6.46% |
| Variable | Investor, principal & interest | LVR 60–70% | 6.49% | 6.51% |
| Variable | Investor, principal & interest | LVR 70–80% | 6.54% | 6.56% |
| Variable | Investor, principal & interest | LVR 80–85% | 7.29% | 7.31% |
| Variable | Investor, principal & interest | LVR 85–90% | 7.39% | 7.41% |
Neat - OO Variable P&I · 5 rates · from 6.34%Only for: employee
| Rate type | For | LVR | Rate | Comparison* |
|---|---|---|---|---|
| Variable | Owner-occupier, principal & interest | LVR up to 60% | 6.34% | 6.36% |
| Variable | Owner-occupier, principal & interest | LVR 60–70% | 6.34% | 6.36% |
| Variable | Owner-occupier, principal & interest | LVR 70–80% | 6.39% | 6.41% |
| Variable | Owner-occupier, principal & interest | LVR 80–85% | 6.94% | 6.96% |
| Variable | Owner-occupier, principal & interest | LVR 85–90% | 7.24% | 7.26% |
* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.