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Flex - Fixed INV IO

Lock in your interest rate for 1, 2, 3, or 5 years and be certain of what your home loan repayments will be (investment, interest only loan).

Home loansBank updated 9 Oct 2026
Apply at UBank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Max LVR
80%
Annual fee
$250
Features
redraw, extra repayments

Rates

Every rate UBank publishes for this home loan, 4 in all.

TypeApplies toTermBandRateComparisonConditions
FixedInvestment with interest only repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60% for P&I variable rate after fixed rate period ends.Investment, Interest only1 yr fixed≤80% LVR6.89%6.72%-
FixedInvestment with interest only repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60% for P&I variable rate after fixed rate period ends.Investment, Interest only2 yrs fixed≤80% LVR6.89%6.76%-
FixedInvestment with interest only repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60% for P&I variable rate after fixed rate period ends.Investment, Interest only3 yrs fixed≤80% LVR6.94%6.81%-
FixedInvestment with interest only repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60% for P&I variable rate after fixed rate period ends.Investment, Interest only5 yrs fixed≤80% LVR7.09%6.94%-

Rate changes

4 changes logged, newest first.

DateRateWasNowChange
25 Sept 2026Fixed, Investment, Interest only, 1 yr fixed, ≤80% LVR6.64%6.89%up 0.25
25 Sept 2026Fixed, Investment, Interest only, 2 yrs fixed, ≤80% LVR6.64%6.89%up 0.25
25 Sept 2026Fixed, Investment, Interest only, 3 yrs fixed, ≤80% LVR6.69%6.94%up 0.25
25 Sept 2026Fixed, Investment, Interest only, 5 yrs fixed, ≤80% LVR6.84%7.09%up 0.25

Each change is logged the night it appears in the rates UBank publishes. See how every lender answered the RBA on the rate tracker.

Fees

8 fees published, grouped by when they're charged.

  1. When you take it out$250Loan advance fee
  2. While you hold it$250 a yearAnnual fee
  3. When you close it or pay it offNo fee published

When you take it out1

  • Loan advance fee

    To prepare loan documents and to arrange settlement of the loan.

    $250

While you hold it1

  • Annual fee

    Fee debited every year on the anniversary of the date we first give you the funds. Covers up to 5 Flex home loan accounts.

    $250 a year

When particular things happen4

  • Discharge fee

    If we discharge a property (security interest) at your request. Charged per security

    $300
  • Documentation fee

    To issue a new set of loan documents if your requirements change.

    $100
  • Production fee

    If we are required to send a certificate of title to another financial institution.

    $110
  • Rate lock fee

    To lock in the maximum annual percentage rate for 90 days from the application date. .

    $500

Other fees2

  • Break costs

    Break costs may be applicable.

    Varies
  • Valuation fee

    First Valuation Fee covered up to $360. Second or further valuations are at cost.

    Varies

Features

RedrawExtra repaymentsInstant paymentsDigital banking
  • Split loan available, subject to product terms and conditions.

Eligibility and limits

  • Minimum age 18
  • Residency: Be an Australian or New Zealand citizen, or a permanent resident of Australia.
  • Employment: Applicants must be a PAYG employee.
  • Available to individuals
  • Amount $80,000 to $5,000,000
  • Maximum LVR 80%
  • - Max 2 borrowers. - Be applying either individually, or jointly with their spouse or de facto partner that they currently live with or intend to live with after settlement in the same household (You…

Published by UBank under the Consumer Data Right, last changed by them on 9 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.