UBank
ABN 12 004 044 937
Savings accounts
UBank publishes 3 transaction and savings account products in its product data; 1 is savings accounts ranked on the comparison. 2 products are not ranked (a transaction (everyday) account, not a savings account: 2). Rates are per annum as published by the bank; a bonus rate is paid only in a month in which the account's conditions are met.
Best rates
UBank's best savings rate for each customer segment and rate kind, as it ranks on the savings account comparison; "ranked at" lists the balances at which this is its best account.
| Account for | Rate kind | Rate p.a. | Base | Bonus | Intro | Product | Ranked at | Conditions | Restrictions |
|---|---|---|---|---|---|---|---|---|---|
| Personal | Conditional | 5.60% | 0.00% | 5.60% | 4 months | Save Account | $10k, $50k, $250k | grow the balance by $1 or more each month; hold a Ubank Spend account; open to Australian and New Zealand citizens and Australian permanent residents with an A… | linked account |
| Personal | Intro | 6.50% | 0.00% | 5.60% | 4 months | Save Account | $10k, $50k, $250k | grow the balance by $1 or more each month; hold a Ubank Spend account; open to Australian and New Zealand citizens and Australian permanent residents with an A… | linked account |
| Personal | Base | 0.00% | 0.00% | 5.60% | 4 months | Save Account | $10k, $50k, $250k | grow the balance by $1 or more each month; hold a Ubank Spend account; open to Australian and New Zealand citizens and Australian permanent residents with an A… | linked account |
Products
3 of 3 products shown
Ranked savings accounts
Save Account savings accountlinked account
Conditions: grow the balance by $1 or more each month; hold a Ubank Spend account; open to Australian and New Zealand citizens and Australian permanent residents with an Australian residential address.
no monthly fee stated · interest paid monthly · ages 16 and over · bonus on up to $1,000,000 · introductory rate for 4 months (Welcome Bonus for eligible new customers. Only paid when Bonus Interest criteria is met. Rates on Shared accounts may be different.) · bank · terms · fees · source
Save account
| Balance | Base | Bonus | Conditional | Intro |
|---|---|---|---|---|
| $0 – $1,000,000stepped: paid on the part of the balance in this band | — | 5.60% | 5.60% | 6.50% |
| $1,000,000.01+stepped: paid on the part of the balance in this band | — | 0.00% | 0.00% | — |
Not ranked
Bills Account transaction accountstale
Not ranked: a transaction (everyday) account, not a savings account.
Conditions: not updated by the bank since 2025-11-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed.
no monthly fee stated · ages 16 and over · bank · terms · fees · source
Bills account
No rate rows could be read from the feed for this product.
Spend Account transaction accountstale
Not ranked: a transaction (everyday) account, not a savings account.
Conditions: not updated by the bank since 2025-11-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed.
no monthly fee stated · ages 16 and over · bank · terms · fees · source
Spend account
No rate rows could be read from the feed for this product.
Ranked products come first. Each table is the product's balance bands as the bank's feed states them: base is the rate when the bonus conditions are not all met, bonus the add-on for meeting them, conditional the two together, intro the rate in the introductory period; a table shows only the columns its account has. "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change. The "source" link opens our snapshot of the bank's product record; conditions read from the bank's own terms are listed with the product.
We receive no payment from any lender for inclusion or ranking.
Data
This section is built from the bank's own published product data (its Consumer Data Right feed), with the conditions and limits that data leaves out read from the bank's own terms and pages. The same records are published as JSON with a source URL and the bank's last-updated timestamp on every row:
/au/finance/savings-accounts/v1/brands/ubank.json: this bank's accounts and every balance band, its best rates first./au/finance/savings-accounts/v1/rates.json: every bank's rate rows in one file./au/finance/savings-accounts/v1/best.json: the banks ranked per segment, rate kind and balance./au/finance/savings-accounts/v1/index.json: dataset index, including every per-bank file.- the bank's live CDR transaction and savings account feed (needs an
x-vheader).
Government guarantee
UBank is a brand of National Australia Bank Limited. Deposits here and at NAB count towards one $250,000 government guarantee limit per account holder, not one each.
From APRA’s list of banks covered by the Financial Claims Scheme.
Home loans
UBank publishes 11 home loan products in its product data, giving 61 rates (29 variable and 32 fixed). Rates are per annum as published by the bank. The comparison rate is the bank's own figure, which the National Credit Code requires it to calculate on a $150,000 loan over 25 years; it folds in fees and charges, so it is a guide to the cost of a loan of that size only. Offset and redraw are features of the product, as the bank publishes them, and may not apply while a rate is fixed.
Products
- Flex - Fixed INV IOredraw · ongoing fees $250 p.a. · exit fees $300 · max LVR 80% · 4 rates · bank · source
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). - Flex - Fixed INV P&Iredraw · ongoing fees $250 p.a. · exit fees $300 · max LVR 90% · 12 rates · bank · source
Lock in your interest rate for 1, 2, 3, or 5 years and be certain of what your home loan repayments will be (investment, principal and interest loan). - Flex - Fixed OO IOredraw · ongoing fees $250 p.a. · exit fees $300 · max LVR 80% · 4 rates · bank · source
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, interest only loan). - Flex - Fixed OO P&Iredraw · ongoing fees $250 p.a. · exit fees $300 · max LVR 90% · 12 rates · bank · source
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). - Flex - Variable INV IOoffset account and redraw · ongoing fees $250 p.a. · exit fees $300 · max LVR 80% · 3 rates · bank · source
Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments (investment, interest only loan). - Flex - Variable INV P&Ioffset account and redraw · ongoing fees $250 p.a. · exit fees $300 · max LVR 90% · 5 rates · bank · source
Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments (investment, principal and interest loan). - Flex - Variable OO IOoffset account and redraw · ongoing fees $250 p.a. · exit fees $300 · max LVR 80% · 3 rates · bank · source
Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments (owner occupied, interest only loan). - Flex - Variable OO P&Ioffset account and redraw · ongoing fees $250 p.a. · exit fees $300 · max LVR 90% · 5 rates · bank · source
Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments (owner occupied, principal and interest loan). - Neat - INV Variable IOredraw · exit fees $300 · max LVR 80% · 3 rates · bank · source
A low variable rate home loan with no ongoing annual fees. Great if you don't need an offset account (investment, interest only loan). - Neat - INV Variable P&Iredraw · exit fees $300 · max LVR 90% · 5 rates · bank · source
A low variable rate home loan with no ongoing annual fees. Great if you don't need an offset account (investment, principal and interest loan). - Neat - OO Variable P&Iredraw · exit fees $300 · max LVR 90% · 5 rates · bank · source
A low variable rate home loan with no ongoing annual fees. Great if you don't need an offset account (owner occupied, principal and interest loan).
Rates
61 of 61 rates shown
| Product | Rate type | Rate p.a. | Comparison at $150,000 | Purpose | Repayment | LVR | Loan | Conditions | Bank updated | Source |
|---|---|---|---|---|---|---|---|---|---|---|
| Flex - Variable OO P&I | Variable | 6.59% | 6.83% | Owner-occupied | Principal & interest | up to 60% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - OO Variable P&I | Variable | 6.59% | 6.61% | Owner-occupied | Principal & interest | up to 60% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable OO P&I | Variable | 6.59% | 6.83% | Owner-occupied | Principal & interest | 60.01–70% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - OO Variable P&I | Variable | 6.59% | 6.61% | Owner-occupied | Principal & interest | 60.01–70% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable OO P&I | Variable | 6.64% | 6.88% | Owner-occupied | Principal & interest | 70.01–80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - OO Variable P&I | Variable | 6.64% | 6.66% | Owner-occupied | Principal & interest | 70.01–80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable OO P&I | Variable | 7.19% | 7.42% | Owner-occupied | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - OO Variable P&I | Variable | 7.19% | 7.21% | Owner-occupied | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable OO P&I | Variable | 7.49% | 7.72% | Owner-occupied | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - OO Variable P&I | Variable | 7.49% | 7.51% | Owner-occupied | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 1 year | 6.74% | 6.84% | Owner-occupied | Principal & interest | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 1 year | 7.04% | 7.40% | Owner-occupied | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 1 year | 7.14% | 7.68% | Owner-occupied | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 2 years | 6.79% | 6.87% | Owner-occupied | Principal & interest | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 2 years | 7.09% | 7.40% | Owner-occupied | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 2 years | 7.19% | 7.66% | Owner-occupied | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 3 years | 6.84% | 6.90% | Owner-occupied | Principal & interest | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 3 years | 7.24% | 7.44% | Owner-occupied | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 3 years | 7.34% | 7.67% | Owner-occupied | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 5 years | 6.99% | 7.00% | Owner-occupied | Principal & interest | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 5 years | 7.39% | 7.51% | Owner-occupied | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO P&I | Fixed 5 years | 7.49% | 7.72% | Owner-occupied | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable OO IO | Variable | 6.90% | 6.94% | Owner-occupied | Interest only | up to 60% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable OO IO | Variable | 6.94% | 6.96% | Owner-occupied | Interest only | 60.01–70% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable OO IO | Variable | 6.99% | 7.01% | Owner-occupied | Interest only | 70.01–80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO IO | Fixed 1 year | 6.84% | 6.85% | Owner-occupied | Interest only | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO IO | Fixed 2 years | 6.84% | 6.87% | Owner-occupied | Interest only | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO IO | Fixed 3 years | 6.89% | 6.90% | Owner-occupied | Interest only | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed OO IO | Fixed 5 years | 7.04% | 7.01% | Owner-occupied | Interest only | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable INV P&I | Variable | 6.69% | 6.92% | Investment | Principal & interest | up to 60% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - INV Variable P&I | Variable | 6.69% | 6.71% | Investment | Principal & interest | up to 60% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable INV P&I | Variable | 6.74% | 6.97% | Investment | Principal & interest | 60.01–70% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - INV Variable P&I | Variable | 6.74% | 6.76% | Investment | Principal & interest | 60.01–70% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable INV P&I | Variable | 6.79% | 7.02% | Investment | Principal & interest | 70.01–80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - INV Variable P&I | Variable | 6.79% | 6.81% | Investment | Principal & interest | 70.01–80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable INV P&I | Variable | 7.54% | 7.77% | Investment | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - INV Variable P&I | Variable | 7.54% | 7.56% | Investment | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable INV P&I | Variable | 7.64% | 7.87% | Investment | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - INV Variable P&I | Variable | 7.64% | 7.66% | Investment | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 1 year | 6.79% | 6.94% | Investment | Principal & interest | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 1 year | 7.09% | 7.72% | Investment | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 1 year | 7.19% | 7.82% | Investment | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 2 years | 6.84% | 6.96% | Investment | Principal & interest | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 2 years | 7.14% | 7.68% | Investment | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 2 years | 7.24% | 7.78% | Investment | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 3 years | 6.89% | 6.98% | Investment | Principal & interest | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 3 years | 7.29% | 7.69% | Investment | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 3 years | 7.39% | 7.79% | Investment | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 5 years | 7.04% | 7.08% | Investment | Principal & interest | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 5 years | 7.44% | 7.72% | Investment | Principal & interest | 80.01–85% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV P&I | Fixed 5 years | 7.54% | 7.82% | Investment | Principal & interest | 85.01–90% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable INV IO | Variable | 6.90% | 7.00% | Investment | Interest only | up to 60% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - INV Variable IO | Variable | 6.90% | 6.80% | Investment | Interest only | up to 60% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable INV IO | Variable | 6.94% | 7.05% | Investment | Interest only | 60.01–70% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - INV Variable IO | Variable | 6.94% | 6.85% | Investment | Interest only | 60.01–70% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Variable INV IO | Variable | 6.99% | 7.10% | Investment | Interest only | 70.01–80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Neat - INV Variable IO | Variable | 6.99% | 6.90% | Investment | Interest only | 70.01–80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV IO | Fixed 1 year | 6.89% | 6.94% | Investment | Interest only | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV IO | Fixed 2 years | 6.89% | 6.96% | Investment | Interest only | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV IO | Fixed 3 years | 6.94% | 6.99% | Investment | Interest only | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
| Flex - Fixed INV IO | Fixed 5 years | 7.09% | 7.08% | Investment | Interest only | up to 80% | $80,000 – $5,000,000 | Loans above 85% LVR limited to $2,000,000 per application; Applicants must be Australian or NZ citizens or Australian p… | 2026-11-13 | source |
Hover a condition to read the bank's full wording, and a rate type for the bank's own name for it. "not stated" means the bank's feed does not say which loans a rate is for. The "source" link opens our snapshot of the bank's product record.
WARNING: This comparison rate is true only for the examples 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 calculated on a $150,000 secured loan over 25 years.
Data
This section is built from the bank's own published product data, plus any term it leaves out that we read from the bank's own pages and any correction where its page contradicts that data. The same records are published as JSON with a source URL and the bank's last-updated timestamp on every row:
/au/finance/home-loans/v1/brands/ubank.json: this bank's home loan products and every rate row./au/finance/home-loans/v1/rates.json: all the banks' home loan rate rows in one file./au/finance/home-loans/v1/best.json: the banks ranked per purpose, repayment type, LVR, loan amount and rate type./au/finance/home-loans/v1/index.json: dataset index, including every per-bank file.- the bank's live CDR home loan feed (needs an
x-vheader).
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.