The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 85%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $100,000 and $2,000,000 with an LVR below 85%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $100,000 and $2,000,000 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 | < 80% | $100,000 | $2,000,000 |
| | Owner Occupier | Principal & Interest | 80%-85% | $100,000 | $2,000,000 |
| | Owner Occupier | Interest Only | < 80% | $100,000 | $2,000,000 |
| | Owner Occupier | Interest Only | 80%-85% | $100,000 | $2,000,000 |
| | Investor | Principal & Interest | < 80% | $100,000 | $2,000,000 |
| | Investor | Interest Only | < 80% | $100,000 | $2,000,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $100,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR 80%-85%
Loan: $100,000 $2,000,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $100,000 $2,000,000
Owner Occupier (Interest Only)
LVR 80%-85%
Loan: $100,000 $2,000,000
Investor (Principal & Interest)
LVR < 80%
Loan: $100,000 $2,000,000
Investor (Interest Only)
LVR < 80%
Loan: $100,000 $2,000,000
Want to lock in a low home loan rate? The UBank UHomeLoan offers some of the most competitive rates around on a range of fixed terms, which helped it take out and additional two 2021 Mozo Experts Choice Awards for best Split Home Loan and Investor Fixed Home Loan.
The UBank UHomeLoan fixed rate option comes with three term options: 1, 3 or 5 years. For owner occupiers making principal and interest repayments, the 1 year rate is 1.79% p.a. (2.32% p.a. comparison rate*), the 3 year rate is 1.85% p.a. (2.24% p.a. comparison rate*) and for 5 years the rate is 2.49% p.a. (2.42% p.a. comparison rate*).
For investors making principal and interest repayments, the 1 year rate is 2.14% p.a. (2.54% p.a. comparison rate*), the 3 year rate is 2.09% p.a. (2.46% p.a. comparison rate*) and for 5 years the rate is 2.54% p.a. (2.57% p.a. comparison rate*).
You can borrow up to 80% of the property value and the loan is available for loans from $100,000 up to $2,000,000. Plus the normal $395 application fee is waived for fixed home loans that are settled by 30 September, 2022.
One of the great benefits of choosing to get your home loan with an online lender is that you can apply for your home loan when it suits you and manage the whole thing from the comfort of your couch.
You can choose weekly, fortnightly or monthly repayments and while you can make extra repayments there isn't a redraw facility with the fixed rate loan so you won't be able to redraw the money again should you need it later on.
Those that want interest rate and repayment certainty for a set period of time and feel comfortable applying and managing their loan online.
If you find yourself flushed with cash you can make extra repayments with the UHomeLoan fixed loan but just be aware that this is capped at $20,000 during the fixed period of the loan.
While UBank is backed by NAB you don't have access to a branch network but 24/7 online and phone support should be all you need for securing and managing your home loan.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 1.79% (2.32%*) | |
| n/a | |
| 1.85% (2.24%*) | |
| n/a | |
| 2.49% (2.42%*) | |
| n/a | |
| n/a | |
| 2.34% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $0.00 | |
| $0.00 |
| $100,000 | |
| $2,000,000 | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $20,000 during fixed rate term | |
| no | |
| no | |
| none | |
| yes | |
| no | |
| none | |
| none | |
| $395 Establishment fee waived for fixed rate loans that settle by 30 September 2022. |
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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 1.99% (2.47%*) | |
| n/a | |
| 2.05% (2.41%*) | |
| n/a | |
| 2.69% (2.59%*) | |
| n/a | |
| n/a | |
| 2.49% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $0.00 | |
| $0.00 |
| $100,000 | |
| $2,000,000 | |
| 80.00% | |
| 85.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $20,000 during fixed rate term | |
| no | |
| no | |
| none | |
| yes | |
| no | |
| none | |
| none | |
| $395 Establishment fee waived for fixed rate loans that settle by 30 September 2022. |
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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.14% (2.35%*) | |
| n/a | |
| 2.09% (2.30%*) | |
| n/a | |
| 2.59% (2.46%*) | |
| n/a | |
| n/a | |
| 2.34% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $0.00 | |
| $0.00 |
| $100,000 | |
| $2,000,000 | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $20,000 during fixed rate term | |
| no | |
| no | |
| none | |
| yes | |
| no | |
| none | |
| none | |
| $395 Establishment fee waived for fixed rate loans that settle by 30 September 2022. |
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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.34% (2.50%*) | |
| n/a | |
| 2.29% (2.47%*) | |
| n/a | |
| 2.79% (2.63%*) | |
| n/a | |
| n/a | |
| 2.49% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $0.00 | |
| $0.00 |
| $100,000 | |
| $2,000,000 | |
| 80.00% | |
| 85.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $20,000 during fixed rate term | |
| no | |
| no | |
| none | |
| yes | |
| no | |
| none | |
| none | |
| $395 Establishment fee waived for fixed rate loans that settle by 30 September 2022. |
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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.14% (2.54%*) | |
| n/a | |
| 2.09% (2.46%*) | |
| n/a | |
| 2.54% (2.57%*) | |
| n/a | |
| n/a | |
| 2.55% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $0.00 | |
| $0.00 |
| $100,000 | |
| $2,000,000 | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $20,000 during fixed rate term | |
| no | |
| no | |
| none | |
| yes | |
| no | |
| none | |
| none | |
| $395 Establishment fee waived for fixed rate loans that settle by 30 September 2022. |
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.
| n/a | |
| n/a | |
| n/a | |
| n/a | |
| 2.29% (2.55%*) | |
| n/a | |
| 2.24% (2.50%*) | |
| n/a | |
| 2.64% (2.61%*) | |
| n/a | |
| n/a | |
| 2.55% p.a. |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| $0.00 | |
| n/a | |
| $0.00 | |
| $0.00 |
| $100,000 | |
| $2,000,000 | |
| none | |
| 80.00% |
| Weekly, Fortnightly, Monthly | |
| yes - free up to $20,000 during fixed rate term | |
| no | |
| no | |
| none | |
| yes | |
| no | |
| none | |
| none | |
| $395 Establishment fee waived for fixed rate loans that settle by 30 September 2022. |
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.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
Bank of Queensland
Fixed Rate
2.19% p.a.
fixed 3 years
3.03% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
Bank of Queensland
Economy
1.98% p.a.
2.15% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
Qudos Bank
Fixed Rate Home Loan
1.99% p.a.
fixed 3 years
2.59% p.a.
Bank of Queensland
Fixed Rate
2.19% p.a.
fixed 3 years
3.03% p.a.
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.
