Save $$ with our low rate home loans
Switch and save with our Neat variable home loan
5.49%
5.51%
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Why our Basic variable home loan products?
Our Basic variable home loans are perfect if you’re looking for a loan with no frills and no fuss. Whether you’re buying a home or investing, you’ll get low variable rates and no annual fee, as well as unlimited additional payments that you can redraw whenever you like. (This product allows your home
Compare all our interest rates and fees
Home loans, like homes, aren't one-size fits all
Neat variableTake it back to basics with no annual fee and low variable rates | Own variablePay off your loan faster with 100% interest offset on your ubank accounts | Own fixedLock in your rate for up to 5 years and budget with confidence | |
|---|---|---|---|
RedrawTake back any additional payments at no extra cost | |||
Additional paymentsPay back more than your minimum repayments for free | |||
Split optionYou can split your loan with a fixed rate and a variable rate | |||
Offset account(s)Reduce the amount of interest you pay each month with multiple offset accounts | |||
Annual feeTo manage accounts and any changes across up to 5 Own split loans | $0 | $250 p.a. | $250 p.a. |
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Offer now closed to new applications
Terms and conditions for:
- $4k cash back for loans between $400k & $1m
- $5k cash back for loans $1m and over
To approved applicants only:
- A loan amount of at least $400,000 required to be eligible for a $4,000 cashback payment or a loan amount of at least $1,000,000 required to be eligible for a $5,000 cashback payment. All loans must have an LVR of 80% or less to receive any eligible cashback payment.
- This ubank Cashback Offer is available only for new home loan or re-finance applications received between 1st March 2023 and 30 April 2023 (inclusive) and settled by 30 June 2023.
- This offer may be varied, withdrawn or extended by ubank at any time without notice.
- Eligible cashback payment will be credited within 14 business days of settlement of the loan to the ubank Spend /Save account linked to the home loan repayment authority and in the same name as the home loan account.
- Limit of one cashback payment only regardless of the number of applications, applicants, properties, or loans involved per 12 month period. If any joint borrowers have received the cash back offer, no further cash back payment will be payable on future loans where that individual is a borrower within the following 12 months.
- The cashback payment cannot be used towards the total loan amount or application income of the home loan application. The cashback payment is not transferable to any third party.
- This offer is not available for refinances of home loans into ubank from NAB Group including NAB, UBank UHomeloans, Citi branded home loans, Medfin or Advantedge. The offer is not available for any loan variation to existing ubank home loan customers.
Depending on your financial circumstances, you should obtain independent advice about any tax consequences before making any decisions regarding any cash offers made by ubank.
Read our Home Loan Terms.
Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements.
Home loan information and interest rates are for new loans only and are subject to change.
1Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only.
WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet.
Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage.