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ubank Flex Home Loan

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 60%
The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 85%
The details shown below are for an owner occupier taking out a interest only loan up to with an LVR below 60%
The details shown below are for an owner occupier taking out a interest only loan up to with an LVR below 70%
The details shown below are for an owner occupier taking out a interest only loan up to with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan up to with an LVR below 60%
The details shown below are for an investor taking out a principal & interest loan up to with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan up to with an LVR below 80%
The details shown below are for an investor taking out a interest only loan up to with an LVR below 60%
The details shown below are for an investor taking out a interest only loan up to with an LVR below 70%
The details shown below are for an investor taking out a interest only loan up to with an LVR below 80%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 60%
Owner Occupier Principal & Interest 60%-70%
Owner Occupier Principal & Interest 70%-80%
Owner Occupier Principal & Interest 80%-85%
Owner Occupier Interest Only < 60%
Owner Occupier Interest Only 60%-70%
Owner Occupier Interest Only 70%-80%
Investor Principal & Interest < 60%
Investor Principal & Interest 60%-70%
Investor Principal & Interest 70%-80%
Investor Interest Only < 60%
Investor Interest Only 60%-70%
Investor Interest Only 70%-80%
  • Owner Occupier (Principal & Interest)
    LVR < 60%
    Loan:
  • Owner Occupier (Principal & Interest)
    LVR 60%-70%
    Loan:
  • Owner Occupier (Principal & Interest)
    LVR 70%-80%
    Loan:
  • Owner Occupier (Principal & Interest)
    LVR 80%-85%
    Loan:
  • Owner Occupier (Interest Only)
    LVR < 60%
    Loan:
  • Owner Occupier (Interest Only)
    LVR 60%-70%
    Loan:
  • Owner Occupier (Interest Only)
    LVR 70%-80%
    Loan:
  • Investor (Principal & Interest)
    LVR < 60%
    Loan:
  • Investor (Principal & Interest)
    LVR 60%-70%
    Loan:
  • Investor (Principal & Interest)
    LVR 70%-80%
    Loan:
  • Investor (Interest Only)
    LVR < 60%
    Loan:
  • Investor (Interest Only)
    LVR 60%-70%
    Loan:
  • Investor (Interest Only)
    LVR 70%-80%
    Loan:
Rate
6.09% p.a.
Comparison Rate
6.33% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.14% p.a.
Comparison Rate
6.38% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.14% p.a.
Comparison Rate
6.38% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.64% p.a.
Comparison Rate
6.88% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.54% p.a.
Comparison Rate
6.51% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.64% p.a.
Comparison Rate
6.58% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.64% p.a.
Comparison Rate
6.58% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.24% p.a.
Comparison Rate
6.48% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.29% p.a.
Comparison Rate
6.53% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.29% p.a.
Comparison Rate
6.53% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.54% p.a.
Comparison Rate
6.59% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.64% p.a.
Comparison Rate
6.66% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Rate
6.64% p.a.
Comparison Rate
6.66% p.a.
Service fee
$250.00 yearly
Upfront fee
$250

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.09% p.a.

n/a

n/a

n/a

6.33% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

none

60.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.14% p.a.

n/a

n/a

n/a

6.38% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

60.00%

70.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.14% p.a.

n/a

n/a

n/a

6.38% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

70.00%

80.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.64% p.a.

n/a

n/a

n/a

6.88% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

80.00%

85.00%
Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.54% p.a.

n/a

n/a

n/a

6.51% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

none

60.00%
Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.64% p.a.

n/a

n/a

n/a

6.58% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

60.00%

70.00%
Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.64% p.a.

n/a

n/a

n/a

6.58% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

70.00%

80.00%
Features

Owner Occupier

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.24% p.a.

n/a

n/a

n/a

6.48% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

none

60.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.29% p.a.

n/a

n/a

n/a

6.53% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

60.00%

70.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.29% p.a.

n/a

n/a

n/a

6.53% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

70.00%

80.00%
Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.54% p.a.

n/a

n/a

n/a

6.59% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

none

60.00%
Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.64% p.a.

n/a

n/a

n/a

6.66% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

60.00%

70.00%
Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Details

Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

6.64% p.a.

n/a

n/a

n/a

6.66% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a
Fees

$0.00

$0.00

n/a

$250.00

n/a

$250.00 yearly

$300.00
Other financial bits

none

none

70.00%

80.00%
Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

none

yes

yes

If the valuation is over $360, ubank will cover the first $360. Any loans with a term greater than 30 years will be available for new purchase applications only.

none

none

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.

Customer Reviews

How are ubank home loans rated by the Mozo community?

Overall
8.3/10
Price
7.6/10
Features
5.4/10
Customer service
5.1/10
Convenience
4.9/10
Trust
5.5/10
Based on 39 ubank home loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest review of ubank Flex Home Loan

About ubank

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a. variable

6.01% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.59% p.a.
fixed 3 years

6.01% p.a.

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.14% p.a. variable

6.14% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.49% p.a.
fixed 3 years

6.62% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a. variable

6.02% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.49% p.a.
fixed 3 years

6.62% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a. variable

6.01% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan

6.14% p.a. variable

6.38% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.09% p.a. variable

6.22% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.13% p.a. variable

6.14% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a.

6.01% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.09% p.a.

6.22% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a.

6.02% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.13% p.a.

6.14% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.59% p.a.
fixed 3 years

6.01% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.49% p.a.
fixed 3 years

6.62% p.a.

Thumbnail icon for SWSbank
SWSbank

Fixed Home Loan Rate

5.59% p.a.
fixed 3 years

6.31% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.69% p.a.
fixed 3 years

6.07% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.59% p.a.
fixed 3 years

6.64% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan

5.79% p.a.
fixed 3 years

6.07% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

$0.00

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a.

6.01% p.a.

$0.00

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a.

6.02% p.a.

$0.00

Thumbnail icon for Community First Bank
Community First Bank

Basic Variable Home Loan

5.94% p.a.

5.99% p.a.

$0.00

Thumbnail icon for Unity Bank
Unity Bank

First Home Buyer Advantage Plus Home Loan

5.99% p.a.

6.76% p.a.

$0.00

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.

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