ubank logo

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
6.19% p.a.
Comparison Rate
6.43% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.24% p.a.
Comparison Rate
6.48% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.24% p.a.
Comparison Rate
6.48% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.74% p.a.
Comparison Rate
6.97% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.69% p.a.
Comparison Rate
6.63% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.74% p.a.
Comparison Rate
6.68% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.74% p.a.
Comparison Rate
6.68% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.39% p.a.
Comparison Rate
6.63% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.44% p.a.
Comparison Rate
6.68% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.44% p.a.
Comparison Rate
6.68% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.74% p.a.
Comparison Rate
6.76% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.79% p.a.
Comparison Rate
6.81% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Rate
6.79% p.a.
Comparison Rate
6.81% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site

Mozo editorial review ubank Flex Home Loan - last updated: 14 March 2024

binocular icon
What's hot
  • Variable rates from 6.19% p.a. (6.43% p.a. comparison rate*) for 80% LVR
  • Free extra repayments and redraws
  • No Lender's Mortgage Insurance
What's not
  • $250 annual fee
Mozo snapshot

Online lender ubank has some seriously sharp rates on offer for borrowers through its Flex Home Loan with variable rates starting from just 6.19% p.a. (6.43% p.a. comparison rate*) for 80% LVR, with no required LMI, and even lower rates up for grabs if you've saved up a bigger deposit. Add in the ability to reduce your repayments with multiple offset accounts and free extra repayments and this could really be a loan that will turn heads.

key icon
Key features

ubank offers some seriously low rates, innovative features and a digital application process that could not only help you save time, but money as well.

Let’s dive in by looking at the Flex Home Loan interest rates, which are based on a LVR tier system. For owner occupiers making principal and interest repayments on their loan:

  • For LVRs of 60% or less, rates start from 6.19% p.a. (6.43% p.a. comparison rate*)
  • For LVRs of 70% or less, rates start from 6.24% p.a. (6.48% p.a. comparison rate*)
  • For LVRs of 80% or less, rates start from 6.24% p.a. (6.48% p.a. comparison rate*)
  • For LVRs of 85% or less, rates start from 6.74% p.a. (6.97% p.a. comparison rate*).

ubank has also included a bunch of handy loan features to help their borrowers stay on top of repayments. First of all, borrowers can use one or multiple ubank Spend and Save Accounts as offset accounts to reduce the size of the loan they’re making repayments on. 

Borrowers can even make unlimited extra repayments towards their loan (for free) if they’re trying to pay it off early, and dip back into those additional repayments (if necessary) with the free redraw facility. 

When it comes to repayment frequency, ubank give customers the flexibility to make their repayments on a schedule that suits them: either weekly, fortnightly or on a monthly basis. 

Okay, so how about fees? There are a couple you’ll need to budget for, including a $250 loan advance fee and $250 annual fee. While ubank won’t charge a valuation fee for your property if the valuation comes to under $360, if it’s over that they’ll only cover the first $360.

snapshot
Who is it good for

The Flex Home Loan from ubank could be a great value option for borrowers with a smaller deposit, as it offers low variable rates and no LMI on 85% LVR. As an online bank, ubank may also appeal to tech savvy Aussies who are looking for a way to streamline their finances.

question icon
Any catches

If you're after the lowest rates on offer, you'll need to have saved up a substantial 40% deposit; that said, even with a 20% deposit, you can still snag a low rate of 6.24% p.a. (6.48% p.a. comparison rate*).

However, as you’d expect of a digital bank like ubank, they’ve made applications and approvals as simple as possible by digitising the entire process. That means that you’ll be able to verify your ID, send through documents and provide your signature all online. 

It's also the case that if the term is for more than 30 years, it'll be available for new purchase applications only.

Details

Rates and fees information correct as at 15 April 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

6.19% p.a.

n/a

n/a

n/a

6.43% 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 15 April 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

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 15 April 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

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 15 April 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

6.74% p.a.

n/a

n/a

n/a

6.97% 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 15 April 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

6.69% p.a.

n/a

n/a

n/a

6.63% 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 15 April 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

6.74% p.a.

n/a

n/a

n/a

6.68% 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 15 April 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

6.74% p.a.

n/a

n/a

n/a

6.68% 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 15 April 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

6.39% p.a.

n/a

n/a

n/a

6.63% 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 15 April 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

6.44% p.a.

n/a

n/a

n/a

6.68% 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 15 April 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

6.44% p.a.

n/a

n/a

n/a

6.68% 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 15 April 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

6.74% p.a.

n/a

n/a

n/a

6.76% 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 15 April 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

6.79% p.a.

n/a

n/a

n/a

6.81% 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 15 April 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

6.79% p.a.

n/a

n/a

n/a

6.81% 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
Price
Features
Customer service
Convenience
Trust

Latest review of ubank Flex Home Loan

About ubank

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

p.a.

6.37% p.a.

$250.00 yearly

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

$0.00

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a. variable

6.14% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.37% p.a.

Thumbnail icon for Police Bank
Police Bank

Police Value Home Loan (Fixed)

5.79% p.a.
fixed 3 years

6.26% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for BCU Bank
BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a. variable

6.14% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a. variable

6.40% 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 Fixed

5.99% p.a.
fixed 3 years

6.37% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a. variable

6.00% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

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Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

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Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

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BCU Bank

OMG Home Loan

5.99% p.a.

6.00% p.a.

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ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

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Police Bank

Police Value Home Loan (Fixed)

p.a.

6.26% p.a.

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Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

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BCU Bank

Fixed Rate Home Loan

p.a.

6.30% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

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Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

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ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

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BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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Macquarie

Basic Home Loan (Fixed)

6.09% p.a.
fixed 3 years

6.19% p.a.

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Unloan

Variable

5.99% p.a.

5.90% p.a.

$0.00

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Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

$10.00 monthly

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ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

$0.00

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HSBC

Home Value Loan

6.09% p.a.

6.09% p.a.

$0.00

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BCU Bank

OMG Home Loan

5.99% p.a.

6.00% p.a.

$0.00

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Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

$248.00 yearly

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Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

$0.00

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Aussie

Elevate

6.09% p.a.

6.20% 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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