Variable
Home Loan Variable
- 100% offset
- Unlimited extra repayments
- Redraw
- No annual fee
Among the cheapest major-bank-aligned variable rates on the panel
Current rate: published on UBank's own rate card
Major-bank brand
UBank
Part of NAB MelbourneFounded 2008ACL/Banking Licence 230686
Strengths
- Sharp variable home loan pricing
- Strong app and digital experience
- Backed by NAB infrastructure
- High-interest savings account widely-used
Watch out for
- No branches; servicing fully digital
- Restricted to PAYG borrowers in some products
UBank products
Editorial reference covering the product range UBank offers and the structural strengths and trade-offs we observe in the market. The current headline rate and comparison rate sit on UBank\'s own rate card; we do not reproduce them here.
Home loans
Fixed 2yr
Fixed 2 Years
- Sharp fixed pricing
- No package fee
Current rate: published on UBank's own rate card
Our UBank coverage
- UBank home loans: the deep dive
Neat variable, Reach variable with offset, fixed 1 to 5 years. A NAB-owned digital lender with consistently sharp pricing. Where UBank wins files.
Other major-bank brands
Same lender category; compare side by side.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
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The UBank rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.
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