ubank home loans

2.8
Based on 41 ubank home loan product reviews.
Fact Checked
Last updated

About ubank home loans

Last updated 11 April 2025 Important disclosures and comparison rate warning*
What are your home loan needs?
Loan purpose
Buying or Refinancing
  • Flex Home Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 40% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.79 % p.a.
    Fixed 2 years
    Comparison rate
    6.07 % p.a.
    Initial monthly repayment
    $2,931
    Go to site
    • Multiple offset accounts available
    • Free extra repayments
    • Easy redraw facility
  • Neat Home Loan

    • Owner occupier
    • Principal & Interest
    • 40% min deposit
    • Redraw available
    Interest rate
    5.84 % p.a.
    Variable
    Comparison rate
    5.86 % p.a.
    Initial monthly repayment
    $2,947
    Go to site
    • Free extra repayments
    • Easy redraw facility
    • No annual fee to pay
  • Flex Home Loan

    • Owner occupier
    • Principal & Interest
    • 40% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.84 % p.a.
    Variable
    Comparison rate
    6.08 % p.a.
    Initial monthly repayment
    $2,947
    Go to site
    • Multiple offset accounts available
    • Free extra repayments
    • Easy redraw facility
  • Neat Home Loan

    • Investor
    • Principal & Interest
    • 40% min deposit
    • Redraw available
    Interest rate
    5.99 % p.a.
    Variable
    Comparison rate
    6.01 % p.a.
    Initial monthly repayment
    $2,995
    Go to site
    • Free extra repayments
    • Easy redraw facility
    • No annual fee to pay
  • Flex Home Loan

    • Investor
    • Principal & Interest
    • 40% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.99 % p.a.
    Variable
    Comparison rate
    6.23 % p.a.
    Initial monthly repayment
    $2,995
    Go to site
    • Multiple offset accounts available
    • Free extra repayments
    • Easy redraw facility
  • Flex Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 40% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.99 % p.a.
    Fixed 2 years
    Comparison rate
    6.23 % p.a.
    Initial monthly repayment
    $2,995
    Go to site
    • Multiple offset accounts available
    • Free extra repayments
    • Easy redraw facility

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ubank home loan ratings

Overall customer rating for ubank home loans

2.8
Based on 41 product reviews.

Customer reviews

Important disclosures

ubank products

FAQs about ubank home loans

Who owns ubank?

Ubank is owned by NAB and operates under the Big Four’s banking licence.

Does ubank have branches?

Ubank does not have bank branches, but does have a customer service team you can speak to if you have any issues.

Does ubank have an offset account?

The only home loan offered by ubank that comes with an offset account is the Flex variable home loan. It’s a 100% offset account linked to a ubank Spend, Bills, or Save account. 

You’ll pay an extra annual fee of $250 for the privilege, so make sure you take full advantage of it.  

What is the maximum LVR that ubank will accept?

The highest loan-to-value ratio (LVR) that ubank will accept is 85%. This means that you’ll at least need to have a 15% house deposit, minimum, to get a new home with ubank.  

Does ubank offer interest-only home loans?

Ubank offers interest-only (IO) home loans for both owner-occupiers and property investors. You can compare interest-only home loans on Mozo to see if a ubank IO home loan is the most competitive option for you. 

Home loan quick links


* 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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

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While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.