Ubank Home Loans

Loan purpose

Repayment type

Loan type

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Home loan product	Interest rate	Comparison rate	Monthly repayment
Featured Owner Occupied, Principal & Interest, LVR <=80	Interest rate 3.34% Variable	Comparison rate 3.34%	Monthly repayment $2,421	Enquire now Product details
Featured Owner Occupied, Principal & Interest, LVR <=80	Interest rate 2.99% Fixed - 3 years	Comparison rate 3.63%	Monthly repayment $2,316	Enquire now Product details
Owner Occupied, Principal & Interest, LVR <=80	Interest rate 3.19% Fixed - 5 years	Comparison rate 3.59%	Monthly repayment $2,376	Enquire now Product details
Owner Occupied, Interest Only, LVR <=80	Interest rate 3.34% Fixed - 5 years	Comparison rate 3.65%	Monthly repayment $2,421	Enquire now Product details
Owner Occupied, Interest Only, LVR <=80	Interest rate 3.14% Fixed - 3 years	Comparison rate 3.67%	Monthly repayment $2,361	Enquire now Product details
Investment, Principal & Interest, LVR <=80	Interest rate 3.74% Variable	Comparison rate 3.74%	Monthly repayment $2,544	Enquire now Product details
Owner Occupied, Principal & Interest, LVR <=80	Interest rate 2.99% Fixed - 1 year	Comparison rate 3.86%	Monthly repayment $2,316	Enquire now Product details
Owner Occupied, Interest Only, LVR <=80	Interest rate 3.14% Fixed - 1 year	Comparison rate 3.87%	Monthly repayment $2,361	Enquire now Product details
Investment, Principal & Interest, LVR <=80	Interest rate 3.49% Fixed - 5 years	Comparison rate 4.00%	Monthly repayment $2,467	Enquire now Product details
Investment, Principal & Interest, LVR <=80	Interest rate 3.14% Fixed - 3 years	Comparison rate 4.03%	Monthly repayment $2,361	Enquire now Product details
Investment, Interest Only, LVR <=80	Interest rate 3.64% Fixed - 5 years	Comparison rate 4.06%	Monthly repayment $2,513	Enquire now Product details
Investment, Interest Only, LVR <=80	Interest rate 3.29% Fixed - 3 years	Comparison rate 4.07%	Monthly repayment $2,406	Enquire now Product details
Investment, Principal & Interest, LVR <=80	Interest rate 3.14% Fixed - 1 year	Comparison rate 4.32%	Monthly repayment $2,361	Enquire now Product details
Investment, Interest Only, LVR <=80	Interest rate 3.29% Fixed - 1 year	Comparison rate 4.33%	Monthly repayment $2,406	Enquire now Product details

The monthly repayment is calculated on a loan amount of $550k over 30 years.

One of the few online-only lenders in Australia, UBank has been providing Australians with a wide range of banking products, including home and car loans plus savings and transaction accounts since 2007.

UBank makes applying for a home loan fast and simple with 24 hour a day customer support. The company is backed by NAB, one of Australia's big four. Because they are entirely online, their overheads are lower, meaning they can afford to provide borrowers with lower rates and fees.

While Ubank has no branches for customers to visit directly, they have a great online banking presence, as well as a 24/7 call centre based in Australia. For any branch-free bank, customer service has to be top notch, otherwise they won't survive.

They offer mortgages up to 30 year terms, and have won several awards from Money magazine and other finance industry watchers.

As borrowers can only apply for a loan online, it's important to make sure you have all the available information you'll need to apply for a loan. Be sure you have the following available:

Proof of Identification: Enough to pass the 100 point check, which can include your passport, birth certificate, etc.
You will need to be able to provide evidence of your financial details when you apply, so make sure you hang on to your tax returns, pay slips, and other financial details.
You’ll need to agree to a credit check.
A list of your income against your expenses, which will show the lender a more complete view of your current financial situation as far as incoming and outgoing cash flow is concerned.
A list of assets and debts - assets include things like existing properties and investments as well as savings, while debts are any open lines of credit or other loans, etc.
Details about the property you're planning to buy, such as the price of the property and how much you are looking to borrow.

Additionally, anyone looking to refinance will need to provide statements the last six months of their existing loans, and anyone looking for a construction loan will have to provide proof of sale, council approved plans, and building quotes.

Featured Rates

Owner occupied home loan

3.64%p.a.Interest rate

3.64%p.a.Comparison rate

More details

New home loan fixed rates

3.59%p.a.Interest rate

3.45%p.a.Comparison rate

More details

Achieve Variable Home Loan

3.33%p.a.Interest rate

3.38%p.a.Comparison rate

More details

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An Aussie Mortgage Broker will contact you to discuss your home loan needs.

terms & conditions

Why does Aussie need your personal information?
How does Aussie keep your information secure?

Credit services for Aussie Select products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. © 2019 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945.

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