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UHomeLoan

A simple to understand home loan with great rates
Category: Home Loans  Last Updated January 22, 2021  Effective June 4, 2021

 General Lending Rates

Rates listed below are for a VARIABLE OWNER_OCCUPIED PRINCIPAL_AND_INTEREST. Additional Information Owner occupied principal and interest loans
Interest Rate
2.92%PA
Comparison Rate
2.92%PA*
Product rates will vary depending upon your financial position. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

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Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, VARIABLE, 3.21%
  • Lending Rate Type: Variable
  • Interest Rate: 3.21%, Comparison Rate 3.04%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, DISCOUNT, 2.34%
  • Lending Rate Type: Discount
  • Interest Rate: 2.34%, Comparison Rate 2.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, DISCOUNT, 2.49%
  • Lending Rate Type: Discount
  • Interest Rate: 2.49%, Comparison Rate 2.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, DISCOUNT, 2.88%
  • Lending Rate Type: Discount
  • Interest Rate: 2.88%, Comparison Rate 2.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, DISCOUNT, 3.03%
  • Lending Rate Type: Discount
  • Interest Rate: 3.03%, Comparison Rate 2.7%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Owner occupier principal and interest loans, 1 year fixed
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 1.75%, Comparison Rate 2.31%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Owner occupier principal and interest loans, 3 year fixed
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 1.85%, Comparison Rate 2.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Owner occupier principal and interest loans, 5 year fixed
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.24%, Comparison Rate 2.33%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Owner occupier interest only loans, 1 year fixed
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.14%, Comparison Rate 2.35%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Owner occupier interest only loans, 3 year fixed
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.09%, Comparison Rate 2.3%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Owner occupier interest only loans, 5 year fixed
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.39%, Comparison Rate 2.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 2.19%, Comparison Rate 2.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 2.05%, Comparison Rate 2.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 2.44%, Comparison Rate 2.49%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 2.34%, Comparison Rate 2.5%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 2.29%, Comparison Rate 2.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 2.59%, Comparison Rate 2.55%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Variable
  • Interest Rate: 3.41%, Comparison Rate 3.41%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Variable
  • Interest Rate: 3.36%, Comparison Rate 3.38%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Discount
  • Interest Rate: 2.74%, Comparison Rate 2.74%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Discount
  • Interest Rate: 2.6%, Comparison Rate 2.65%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Investor principal and interest loans, 1 year fixed
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 1.99%, Comparison Rate 2.7%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Investor principal and interest loans, 3 year fixed
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.09%, Comparison Rate 2.6%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Investor principal and interest loans, 5 year fixed
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.49%, Comparison Rate 2.67%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Investor interest only loans, 1 year fixed
Minimum: 12 MONTH Maximum: 12 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.09%, Comparison Rate 2.71%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Investor interest only loans, 3 year fixed
Minimum: 36 MONTH Maximum: 36 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.24%, Comparison Rate 2.64%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Investor interest only loans, 5 year fixed
Minimum: 60 MONTH Maximum: 60 MONTH
  • Lending Rate Type: Fixed
  • Interest Rate: 2.64%, Comparison Rate 2.73%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Redraw Additional Information: On a variable rate loan, offers the flexibility of an unlimited number of free redraws.
  • Other Additional Information: You can split your UHomeLoan up to 4 times with a minimum split of $20,000.
  • Other Additional Information: Flexible repayment options: weekly, fortnightly or monthly repayments for P&I loans.
  • Digital Banking Additional Information: ‘My UHomeLoan’ is the online banking tool for managing your UBank home loan. To access the system, you’ll need your Loan ID (included in the Welcome Pack sent to you after your loan settled) and PIN (posted to you shortly after the Welcome Pack). Then, simply log in via this link and click on the MANAGE UHOMELOAN button.

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Employment Status - A Regular Payg Income Is Required. We Also Accept Self Employed As Sole Trader Or Partnership.
  • Residency Status - Australian Citizen Or Australian Permanent Resident Or New Zealand Citizen. Currently Live In Australia..
  • Other Additional Information: At least 50m2
  • Other Additional Information: Borrowing 80% or less of your property value
  • Other Additional Information: Buying or refinancing an established property. Does not include: - Construction loans - Strutural renovations - Vacant land purchase - Off the plan
  • Other Additional Information: An email address and Australian mobile number are required to open an account.

 Bank Fees and Charges

  • Fixed Rate Lock Fee (Upfront), Amount: 395.00. Additional Information: A Fixed Rate fee of $395 is payable to guard against any rate increases between the date of your application and settlement (provided your loan settles within 90 days). *This fee is currently being waived. For more details please visit ubank.com.au.

 Limitations & Restrictions (Constraints)

  • Min Limit of 100000.00

 Document Downloads

Related Home Loans

Related Fixed Home Loans
Interest*
1.89%
Comparison*
2.15%
   
1.85%
2.24%
   
2.19%
2.24%
   
2.24%
2.24%
   
Related Variable Home Loans
Interest*
1.95%
Comparison*
1.99%
   
1.95%
1.99%
   
1.99%
2.01%
   
2.09%
2.05%
   
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