UBank
Flex - 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).
Home loansBank updated 23 Sept 2026
At a glance
- Fixed
- 1 yr 6.49% · 2 yrs 6.54% · 3 yrs 6.59% · 5 yrs 6.74%
- Max LVR
- 85%
- Annual fee
- $250
- Features
- redraw, extra repayments
§ 01 — Rates · 12
| 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 | 6.49% | 6.37% | — |
| 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 | 6.74% | 6.93% | — |
| 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 | 6.84% | 7.21% | — |
| 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 | 6.54% | 6.42% | — |
| 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 | 6.79% | 6.95% | — |
| 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 | 6.89% | 7.20% | — |
| 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 | 6.59% | 6.47% | — |
| 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 | 6.94% | 7.00% | — |
| 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 | 7.04% | 7.24% | — |
| 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 | 6.74% | 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 | 5 yrs fixed | 80–85% LVR | 7.09% | 7.10% | — |
| 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 | 7.19% | 7.31% | — |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Discharge fee | Event | $300 | — | If we discharge a property (security interest) at your request. Charged per security. |
| Documentation fee | Event | $100 | — | To issue a new set of loan documents if your requirements change. |
| Production fee | Event | $110 | — | If we are required to send a certificate of title to another financial institution. |
| Rate lock fee | Event | $500 | — | To lock in the maximum annual percentage rate for 90 days from the application date. |
| Break costs | Other | Varies | — | Break costs may be applicable. |
| Valuation fee | Other | Varies | — | First Valuation Fee covered up to $360. Second or further valuations are at cost. |
| Annual fee | Periodic | $250 | Every 1 yr | Fee debited every year on the anniversary of the date we first give you the funds. Covers up to 5 Flex home loan accounts. |
| Loan advance fee | Upfront | $250 | — | To prepare your loan documents and to arrange settlement of the loan. |
§ 03 — Features
RedrawExtra repaymentsInstant paymentsDigital banking
- · Split loan available, subject to product terms and conditions.
§ 04 — Eligibility & 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 85%
- · - 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…
§ 06 — Run the numbers
Put this product through a calculator
Published by UBank under the Consumer Data Right, last changed by them on 23 Sept 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.