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 10 December 2018. 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
  • 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

*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 10 December 2018. 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
  • 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

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes

  • $0.00

  • yes

  • no

  • 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 10 December 2018. 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
  • 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

*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 customer rating
5.2/10
Price
8.4/10
Features
5.4/10
Customer service
4.5/10
Convenience
4.7/10
Trust
4.9/10

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 | Victoria

    reviewed over 2 years ago

  • 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 | South Australia

    reviewed almost 3 years ago

  • 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 | New South Wales

    reviewed almost 3 years ago

  • 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 | Victoria

    reviewed almost 3 years ago

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

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UHomeLoan (Fixed)

p.a.

4.01% p.a.

$0.00

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UBank

UBank

UHomeLoan - Offer

3.74% p.a.

3.74% p.a.

$0.00

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UBank

UBank

UHomeLoan - Investor Extra Offer

3.99% p.a.

3.99% p.a.

$0.00

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Essentials Variable

3.64% p.a. variable

3.66% p.a.

$520

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HSBC

HSBC

Home Value Loan

3.59% p.a. variable

3.61% p.a.

$150

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Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a. variable

3.53% p.a.

$600

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State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a. variable

3.69% p.a.

$0

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Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a. variable

3.66% p.a.

$0

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Homestar

Homestar

Variable Rate Loan

3.54% p.a. variable

3.59% p.a.

$567

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Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a. variable

3.82% p.a.

$150

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Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.89% p.a. variable

4.29% p.a.

$0

Promoted

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a.

3.66% p.a.

$520

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.99% p.a.

4.38% p.a.

$0

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$150

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0

Promoted

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

Promoted

Homestar

Homestar

Variable Rate Loan

3.54% p.a.

3.59% p.a.

$567

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$600

Promoted

State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

4.04% p.a.
fixed 3 years

4.84% p.a.

$0

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

Promoted

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

Promoted

Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.89% p.a.
fixed 3 years

3.91% p.a.

$0

Promoted

Well Home Loans

Well Home Loans

Well Balanced Fixed

3.83% p.a.
fixed 3 years

3.62% p.a.

$600

Promoted

NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.99% p.a.
fixed 3 years

4.86% p.a.

$0

Promoted

Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

3.83% p.a.
fixed 3 years

4.89% p.a.

$0

Promoted

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a.

3.66% p.a.

$0.00

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$0.00

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$0.00

Promoted

State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0.00

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0.00

Promoted

Homestar

Homestar

Variable Rate Loan

3.54% p.a.

3.59% p.a.

$0.00

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a.

3.82% p.a.

$10.00 monthly

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.89% p.a.

4.29% p.a.

$395.00 yearly

*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.