UBankFlex - Fixed OO P&I
Lock in your interest rate for 1, 2, 3, or 5 years and be certain of what your home loan repayments will be (owner occupied, principal and interest loan).
At a glance
- Fixed
- 1 yr 6.74%, 2 yrs 6.79%, 3 yrs 6.84%, 5 yrs 6.99%
- Max LVR
- 90%
- Annual fee
- $250
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.74% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 49th lowest of 82, level with 5 others |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.79% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 51st lowest of 84, level with 6 others |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.84% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 47th lowest of 80, level with 3 others |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.99% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions | 38th lowest of 63, level with 4 others |
Rates
Every rate UBank publishes for this home loan, 12 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- 1 yr fixedtypical 6.59%6.74%
- 2 yrs fixedtypical 6.62%6.79%
- 3 yrs fixedtypical 6.69%6.84%
- 5 yrs fixedtypical 6.89%6.99%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60% for variable rate after fixed rate period ends. | Owner occupied, P&I | 1 yr fixed | ≤80% LVR | 6.74% | 6.62% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 85% for variable revert rate after fixed rate period ends. | Owner occupied, P&I | 1 yr fixed | 80–85% LVR | 7.04% | 7.18% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 90% for variable revert rate after fixed rate period ends. | Owner occupied, P&I | 1 yr fixed | 85–90% LVR | 7.14% | 7.46% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60% for variable rate after fixed rate period ends. | Owner occupied, P&I | 2 yrs fixed | ≤80% LVR | 6.79% | 6.67% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 85% for variable revert rate after fixed rate period ends. | Owner occupied, P&I | 2 yrs fixed | 80–85% LVR | 7.09% | 7.20% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 90% for variable revert rate after fixed rate period ends. | Owner occupied, P&I | 2 yrs fixed | 85–90% LVR | 7.19% | 7.46% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60% for variable rate after fixed rate period ends. | Owner occupied, P&I | 3 yrs fixed | ≤80% LVR | 6.84% | 6.72% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 85% for variable revert rate after fixed rate period ends. | Owner occupied, P&I | 3 yrs fixed | 80–85% LVR | 7.24% | 7.26% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 90% for variable revert rate after fixed rate period ends. | Owner occupied, P&I | 3 yrs fixed | 85–90% LVR | 7.34% | 7.50% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of equal to or less than 60% for variable rate after fixed rate period ends. | Owner occupied, P&I | 5 yrs fixed | ≤80% LVR | 6.99% | 6.87% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 85% for variable revert rate after fixed rate period ends. | Owner occupied, P&I | 5 yrs fixed | 80–85% LVR | 7.39% | 7.38% | - |
| FixedOwner occupied with principal and interest repayments. Comparison rate is based on loan to value ratio (LVR) of 90% for variable revert rate after fixed rate period ends. | Owner occupied, P&I | 5 yrs fixed | 85–90% LVR | 7.49% | 7.58% | - |
Rate changes
12 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 1 yr fixed, ≤80% LVR | 6.49% | 6.74% | up 0.25 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 1 yr fixed, 80–85% LVR | 6.74% | 7.04% | up 0.30 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 1 yr fixed, 85–90% LVR | 6.84% | 7.14% | up 0.30 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, ≤80% LVR | 6.54% | 6.79% | up 0.25 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 80–85% LVR | 6.79% | 7.09% | up 0.30 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 85–90% LVR | 6.89% | 7.19% | up 0.30 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, ≤80% LVR | 6.59% | 6.84% | up 0.25 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 80–85% LVR | 6.94% | 7.24% | up 0.30 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 85–90% LVR | 7.04% | 7.34% | up 0.30 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, ≤80% LVR | 6.74% | 6.99% | up 0.25 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 80–85% LVR | 7.09% | 7.39% | up 0.30 |
| 25 Sept 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 85–90% LVR | 7.19% | 7.49% | up 0.30 |
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.
- When you take it out$250Loan advance fee
- While you hold it$250 a yearAnnual fee
- When you close it or pay it offNo fee published
When you take it out1
- Loan advance fee
To prepare your 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
- 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 90%
- - 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…
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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.