UBank joins 2.99% home loan party
16 Jun 2019
Just when we thought home loan rates couldn't get any more competitive, popular online lender UBank has slashed its fixed rate UHomeLoan by up to 0.60% and debuted a jaw dropping new sub 3.00% rate.
Since the Reserve Bank cut the official cash rate to a new historic low, challenger lenders have been racing to release ultra competitive variable and fixed home loan rates, but few have gone as low as the new 2.99% (4.09% comparison rate*) on offer from UBank for a 1 year fixed term.
While UBank is currently one of just a handful of lenders in the Mozo comparison database to offer home loan rates with a "2" in front, there are some incredible fixed deals on offer from a range of lenders for 1 to 3 year terms. Compare some of the top fixed rates on the market right now in the table below.
Top Fixed Home Loan Rates
Rates updated daily. Advertiser disclosure.
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1.99% p.a.
fixed 3 years2.70% p.a.
$1234
Product details Close detailsSpecial Offer Fixed Rate Home Loan
Owner Occupier, Principal & Interest
1.99% p.a.
fixed 3 years2.70% p.a.
Limited time 3 Year Fixed Rate Special Offer for purchase or refinance. Rate lock option available. No monthly or ongoing fees.
Special Offer Fixed Rate Home Loan
Limited time 3 Year Fixed Rate Special Offer for purchase or refinance. Rate lock option available. No monthly or ongoing fees.
-
1.99% p.a.
fixed 3 years -
2.70% p.a.
-
$520
-
$0.00
-
$0.00
-
yes - free up to $10,000 p.a.
-
no
-
no
-
$520
-
80.00%
-
$50,000
-
$1,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Special Offer Fixed Rate Home Loan
-
-
1.95% p.a.
fixed 3 years2.27% p.a.
$1234
Product details Close detailsUHomeLoan
Owner Occupier, Principal & Interest
1.95% p.a.
fixed 3 years2.27% p.a.
$0 fees and easy application with the Mozo Experts Choice Home Lender Bank of the Year.^ Choose between weekly, fortnightly or monthly repayments. 3 year fixed rates are for new Owner Occupier Principal & Interest loans.
UHomeLoan
$0 fees and easy application with the Mozo Experts Choice Home Lender Bank of the Year.^ Choose between weekly, fortnightly or monthly repayments. 3 year fixed rates are for new Owner Occupier Principal & Interest loans.
-
1.95% p.a.
fixed 3 years -
2.27% p.a.
-
$395
-
$0.00
-
$0.00
-
yes - free up to $20,000 p.a.
-
no
-
no
-
$395
-
80.00%
-
$100,000
-
$2,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
$395 Establishment fee waived for fixed rate loans that settle by 31 March 2020.
Read our Mozo Review to learn more about the UHomeLoan
-
-
2.04% p.a.
fixed 2 years2.79% p.a.
$1234
Product details Close detailsSpecial Offer Reward Me Fixed Rate Home Loan
Owner Occupier, LVR <80%, 300k+
2.04% p.a.
fixed 2 years2.79% p.a.
Enjoy $3,000 cashback when you refinance with Virgin Money (T&Cs apply). Additional repayments up to $10,000 per annum. Reverts to the discounted variable rate on expiry of the fixed term.
Special Offer Reward Me Fixed Rate Home Loan
Enjoy $3,000 cashback when you refinance with Virgin Money (T&Cs apply). Additional repayments up to $10,000 per annum. Reverts to the discounted variable rate on expiry of the fixed term.
-
2.04% p.a.
fixed 2 years -
2.79% p.a.
-
$450
-
$10.00 monthly
-
$350.00
-
yes - up to $10,000 per annum
-
no
-
no
-
$450
-
80.00%
-
$300,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
$3,000 cashback for new borrowings of at least $300,000 with applications made by 22 Jan 2021 and settled by 23 April 2021.
Read our Mozo Review to learn more about the Special Offer Reward Me Fixed Rate Home Loan
-
-
1.99% p.a.
fixed 3 years3.64% p.a.
$1234
Product details Close detailsFixed Rate Home Loan Package
Owner Occupier, Principal & Interest, Home Loan Package
1.99% p.a.
fixed 3 years3.64% p.a.
A People’s Choice 3 year fixed home loan allows you to enjoy a simple, non-complicated home loan with a competitive rate. There are no restrictions to the number of loans you can combine on a package. Lock in a competitive fixed interest rate with People’s Choice.
Fixed Rate Home Loan Package
A People’s Choice 3 year fixed home loan allows you to enjoy a simple, non-complicated home loan with a competitive rate. There are no restrictions to the number of loans you can combine on a package. Lock in a competitive fixed interest rate with People’s Choice.
-
1.99% p.a.
fixed 3 years -
3.64% p.a.
-
$0
-
$395.00 yearly
-
$350.00
-
yes - free up to $10,000 p.a
-
no
-
no
-
$0
-
95.00%
-
$100,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Fixed Rate Home Loan
-
-
2.19% p.a.
fixed 3 years2.53% p.a.
$1234
Product details Close detailsBasic Home Loan
Fixed, Owner Occupier, Principal & Interest, LVR 70-80%
2.19% p.a.
fixed 3 years2.53% p.a.
Flexible loan structure – create up to six loan accounts with different rate and repayment types. Free redraw from your loan using Macquarie Online.
Basic Home Loan
Flexible loan structure – create up to six loan accounts with different rate and repayment types. Free redraw from your loan using Macquarie Online.
-
2.19% p.a.
fixed 3 years -
2.53% p.a.
-
$0
-
$0.00
-
$400.00
-
yes - free
-
yes - free
-
no
-
$0
-
80.00%
-
$150,000
-
$750,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Monthly
-
Read our Mozo Review to learn more about the Basic Home Loan
-
-
2.04% p.a.
fixed 3 years2.17% p.a.
$1234
Product details Close detailsWell Balanced Fixed
Owner Occupier, Principal & Interest, LVR <80%
2.04% p.a.
fixed 3 years2.17% p.a.
Super low rates from an online lender and the personal support from a family run company Free extra repayments and redraw facility. Flexible repayment schedule.
Well Balanced Fixed
Super low rates from an online lender and the personal support from a family run company Free extra repayments and redraw facility. Flexible repayment schedule.
-
2.04% p.a.
fixed 3 years -
2.17% p.a.
-
$785
-
$0.00
-
$300.00
-
yes - free
-
yes - free
-
Optional - $10 per month
-
$785
-
80.00%
-
$200,000
-
$2,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Well Balanced Fixed
-
-
1.99% p.a.
fixed 4 years2.90% p.a.
$1234
Product details Close detailsDiscount Fixed Rate
Owner Occupier, Principal & Interest, <80% LVR
1.99% p.a.
fixed 4 years2.90% p.a.
Have the certainty of fixed repayments with a competitive rate from BOQ. Flexible repayment options available and make up to $5,000 in additional repayments annually. $3,000 cashback when you refinance your home loan to BOQ (min. $250k lending, max 80% LVR, T&Cs apply).
Discount Fixed Rate
Have the certainty of fixed repayments with a competitive rate from BOQ. Flexible repayment options available and make up to $5,000 in additional repayments annually. $3,000 cashback when you refinance your home loan to BOQ (min. $250k lending, max 80% LVR, T&Cs apply).
-
1.99% p.a.
fixed 4 years -
2.90% p.a.
-
$450
-
$10.00 monthly
-
$350.00
-
yes - free up to $5,000 p.a
-
no
-
no
-
$450
-
80.00%
-
$150,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
$3,000 cashback when you refinance your home loan to BOQ, min $250,000, 80% LVR or less. Apply before 26 February 2021, settle by 28 May 2021.
Read our Mozo Review to learn more about the Discount Fixed Rate
-
-
2.19% p.a.
fixed 3 years3.03% p.a.
$1234
Product details Close detailsFixed Home Loan Special Offer Home Package Plus
Owner Occupier, Principal & Interest
2.19% p.a.
fixed 3 years3.03% p.a.
No monthly account keeping fees & No loan establishment fee. Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan. T&Cs & eligibility criteria apply.
Fixed Home Loan Special Offer Home Package Plus
No monthly account keeping fees & No loan establishment fee. Get up to $3,000 cash bonus when you refinance with an eligible Suncorp Bank Home Loan. T&Cs & eligibility criteria apply.
-
2.19% p.a.
fixed 3 years -
3.03% p.a.
-
$0
-
$375.00 yearly
-
$350.00
-
yes - free up to $500 per month
-
no
-
no
-
$0
-
90.00%
-
$150,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
Read our Mozo Review to learn more about the Fixed Home Loan Special Offer
-
-
2.19% p.a.
fixed 3 years2.68% p.a.
$1234
Product details Close detailsFixed Rate Home Loan
Owner Occupier, Principal & Interest, LVR<80%
2.19% p.a.
fixed 3 years2.68% p.a.
Competitive fixed rates ranging from 2.19% (2.68% comparison rate*) across 1 to 5 year terms. No application fee or annual fee. Free extra repayments (up to $10,000 per year).
Fixed Rate Home Loan
Competitive fixed rates ranging from 2.19% (2.68% comparison rate*) across 1 to 5 year terms. No application fee or annual fee. Free extra repayments (up to $10,000 per year).
-
2.19% p.a.
fixed 3 years -
2.68% p.a.
-
$0
-
$0.00
-
$275.00
-
yes - free up to $10,000 p.a.
-
no
-
no
-
$0
-
80.00%
-
$150,000
-
-
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Monthly, Fortnightly, Weekly
-
Read our Mozo Review to learn more about the Fixed Rate Home Loan
-
-
2.14% p.a.
fixed 1 year2.35% p.a.
$1234
Product details Close detailsUHomeLoan
Owner Occupier, Principal & Interest
2.14% p.a.
fixed 1 year2.35% p.a.
Fast, easy apply and no ongoing fees. Choose between weekly, fortnightly or monthly repayments. 1 year fixed rates are for new Owner Occupier Principal & Interest loans. Winner of a Mozo Experts Choice Award 2019 in the Fixed Rate Home Loan category.^
UHomeLoan
Fast, easy apply and no ongoing fees. Choose between weekly, fortnightly or monthly repayments. 1 year fixed rates are for new Owner Occupier Principal & Interest loans. Winner of a Mozo Experts Choice Award 2019 in the Fixed Rate Home Loan category.^
-
2.14% p.a.
fixed 1 year -
2.35% p.a.
-
$395
-
$0.00
-
$0.00
-
yes - free up to $20,000 p.a.
-
no
-
no
-
$395
-
80.00%
-
$100,000
-
$2,000,000
-
Fixed
-
Principal & Interest
-
Owner Occupier
-
Weekly, Fortnightly, Monthly
-
$395 Establishment fee waived for fixed rate loans that settle by 31 March 2020.
Read our Mozo Review to learn more about the UHomeLoan
-
^See information about the Mozo Experts Choice Home loans Awards
