UBank
Every product UBank publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 10 Oct 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with NAB under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 230686, held by National Australia Bank Limited; credit licence since 1 January 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
14 products in 2 categories
UBank's rates today
UBank's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where UBank sits among every institution's best
| Rate | UBank | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.39%Flex - Variable OO P&I | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.84%Flex - Fixed OO P&I | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 5.35%Save account | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
UBank home loan repayments
Repayments at UBank's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableNeat - OO Variable P&I6.39%6.41% comparison$3,749a month
$749,679 in interest, $1,349,679 repaid in all
- 1-year fixedFlex - Fixed OO P&I6.74%6.62% comparison$3,888a month
$799,536 in interest, $1,399,536 repaid in all
- 2-year fixedFlex - Fixed OO P&I6.79%6.67% comparison$3,908a month
$806,720 in interest, $1,406,720 repaid in all
- 3-year fixedFlex - Fixed OO P&I6.84%6.72% comparison$3,928a month
$813,918 in interest, $1,413,918 repaid in all
- 5-year fixedFlex - Fixed OO P&I6.99%6.87% comparison$3,988a month
$835,603 in interest, $1,435,603 repaid in all
- Investor variableNeat - INV Variable P&I6.54%6.56% comparison$3,808a month
$770,954 in interest, $1,370,954 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not UBank's own calculator: confirm the rate with UBank before you apply.
UBank home loan rates
Compare across banks11 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.39%, with a comparison rate of 6.41%, on its Neat - OO Variable P&I: 54th lowest of 104 lenders, level with 5 others.
- Flex - Fixed INV IO
- Max LVR
- 80%
- Annual fee
- $250
- Features
- redraw, extra repayments
- Flex - Fixed INV P&I
- Max LVR
- 90%
- Annual fee
- $250
- Features
- redraw, extra repayments
- Flex - Fixed OO IO
- Max LVR
- 80%
- Annual fee
- $250
- Features
- redraw, extra repayments
- Flex - Fixed OO P&I
- Fixed
- 1 yr 6.74%, 2 yrs 6.79%, 3 yrs 6.84%, 5 yrs 6.99%
- Max LVR
- 90%
- Annual fee
- $250
- Flex - Variable INV IO
- Max LVR
- 80%
- Annual fee
- $250
- Features
- offset, redraw, extra repayments
- Flex - Variable INV P&I
- Variable (investor P&I)
- 6.44%
- Max LVR
- 90%
- Annual fee
- $250
- Flex - Variable OO IO
- Max LVR
- 80%
- Annual fee
- $250
- Features
- offset, redraw, extra repayments
- Flex - Variable OO P&I
- Variable (owner occ. P&I)
- 6.34%, 6.58% comparison
- Max LVR
- 90%
- Annual fee
- $250
- Neat - INV Variable IO
- Max LVR
- 80%
- Features
- redraw, extra repayments
- Neat - INV Variable P&I
- Variable (investor P&I)
- 6.44%
- Max LVR
- 90%
- Features
- redraw, extra repayments
- Neat - OO Variable P&I
- Variable (owner occ. P&I)
- 6.34%, 6.36% comparison
- Max LVR
- 90%
- Features
- redraw, extra repayments
UBank savings and transaction account rates
Compare across banks3 products
Its highest savings rate is up to 5.35% (0.00% base plus a 5.35% bonus when its conditions are met), on its Save account: 13th highest of 84 institutions, level with 7 others.
Has UBank passed on the RBA's November 2026 rate rise?
UBank hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Sat 10 Oct
UBank lifted 3 savings rates by 0.15 percentage points.
0.15
Fri 9 Oct
UBank lifted 29 variable home loan rates by 0.25 percentage points.
0.25- Neat - OO Variable P&I (5 rates)
- Neat - INV Variable P&I (5 rates)
- Neat - INV Variable IO (3 rates)
- Flex - Variable OO P&I (5 rates)
- Flex - Variable OO IO (3 rates)
- Flex - Variable INV P&I (5 rates)
- Flex - Variable INV IO (3 rates)
Tue 6 Oct
UBank lifted 3 savings rates by 0.25 percentage points.
0.25
Fri 25 Sep
UBank lifted 32 fixed home loan rates by 0.25 to 0.30 percentage points.
0.25 to 0.30- Flex - Fixed INV IO (4 rates)
- Flex - Fixed OO P&I (12 rates)
- Flex - Fixed OO IO (4 rates)
- Flex - Fixed INV P&I (12 rates)
Published by UBank under the Consumer Data Right, last changed by them on 10 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.