UBank UHomeLoan

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 interest only loan between $100,000 and $2,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest, interest only loan between $100,000 and $2,000,000 with an LVR below 80%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $100,000 $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $100,000 $2,000,000

  • Investor (Principal & Interest, Interest Only)

    LVR < 80%

    Loan: $100,000 $2,000,000

4.17% p.a.variable for 36 months and then 4.07% p.a.

4.10% p.a.

$0.00

UBank UHomeLoan

4.17% p.a.variable for 36 months and then 4.07% p.a.

4.10% p.a.

$0.00

4.46% p.a.variable for 36 months and then 4.36% p.a.

4.39% p.a.

$0.00

UBank UHomeLoan

4.46% p.a.variable for 36 months and then 4.36% p.a.

4.39% p.a.

$0.00

4.66% p.a.variable for 36 months and then 4.56% p.a.

4.59% p.a.

$0.00

UBank UHomeLoan

4.66% p.a.variable for 36 months and then 4.56% p.a.

4.59% p.a.

$0.00

Details

Rates and fees information correct as at 16 August 2018.

Rates
  • 4.07% p.a.

  • 4.17% p.a.

  • 36 Months

  • Variable

  • 4.10% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $0.00

Other financial bits
  • $100,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $0.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 16 August 2018.

Rates
  • 4.36% p.a.

  • 4.46% p.a.

  • 36 Months

  • Variable

  • 4.39% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $0.00

Other financial bits
  • $100,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Monthly

  • yes - free

  • no

  • yes

  • $0.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 16 August 2018.

Rates
  • 4.56% p.a.

  • 4.66% p.a.

  • 36 Months

  • Variable

  • 4.59% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $0.00

Other financial bits
  • $100,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $0.00

  • yes

  • no

  • none

  • none

Customer Reviews

How are UBank home loans rated by the Mozo community?

Overall customer rating
4.8/10
Price
8.3/10
Features
5.4/10
Customer service
4.5/10
Convenience
4.5/10
Trust
4.6/10

Latest reviews of UBank UHomeLoan

  • Overall
    10/10
    One of the best variable rates around.

    Very competitive variable rate. Easy to apply online and helpful staff.

    Very competitive variable rate. Easy to apply online and helpful staff.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Angie | VIC

    14 Mar 2016

  • Overall
    0/10
    Worst bank in the world = Ubank

    I have dealt with Banks and sought approvals for years. I have never experienced an incompetent...

    I have dealt with Banks and sought approvals for years. I have never experienced an incompetent bank like Ubank ever before. The application process so far has taken 5 months. They keep asking you to upload document after document. They then question everything you have submitted and are suspicious of you. The call centre staff never know anything and always say they will get someone senior to call you but they never ring. I have substantial assets and had a high income from my job as a lawyer - but they always had an issue with my loan ratio. Even though they told me my expenses were average they were still suspicious about why I dont spend more. I am sick of wasting my time with them and am going to withdraw my application. No bank has ever questioned me as much as Ubank. I wish I never dealt with them.

    Price
    5/10
    Features
    3/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10

    Paul | SA

    07 Mar 2016

  • Overall
    8/10
    Ubank is awesome

    Easy to apply and customer service is always quick and great

    Easy to apply and customer service is always quick and great

    Price
    8/10
    Features
    8/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    8/10

    Mei | NSW

    03 Feb 2016

  • Overall
    10/10
    Ubank easy DIY online home loan great rates

    I'm very impressed with Ubank. Searching Online for a better home loan rate, I found Ubank,...

    I'm very impressed with Ubank. Searching Online for a better home loan rate, I found Ubank, 4.17%. I applied and processed the loan MYSELF online. I was sent the documents to read and sign. The transfer of loan was efficient and easy, Saving myself $400 a month. When people are talking homeloans, I tell them about Ubank.

    Price
    10/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Deborah | VIC

    10 Dec 2015

UBank

About UBank

UBank is a new direct bank which is backed by NAB, one of Australia's big four banks. UBank launched in 2008 with a competitive term deposit product, which customers can apply for and manage online. As a direct bank, UBank doesn't have a branch network but it does have a 24-hour, seven day a week 'person to person' phone banking centre for those wanting to speak to a real person. Cost savings are passed onto customers in the form of higher rates and lower fees. UBank now has a range of competitive term deposits, super and savings accounts. In 2011, it launched UHomeloan for refinancing its first home loan product.

See UBank home loans

*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.