{ "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "legal_entity_abn": "12004044937", "public_base_uri": "https://public.cdr-api.86400.com.au", "logo_uri": "https://www.ubank.com.au/assets/images/light/ubank-logo.svg", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T00:00:33Z", "at_a_glance": { "note": "This bank's lowest ranked rate per purpose, repayment type and rate kind, one line each: the lowest of the bank's own entries in the best/{purpose}/{repayment}/{lvr}/{loan}/{kind}.json buckets (broker-only rates left out, as there), so it matches best/ and top/. A bank that lends only to a named group (restricted membership) is left out of their entries and top but listed in entries_with_restricted; its lines here carry eligibility, a key into eligibility_sets saying who can borrow, with the bank's own words. reference_lvrs are the bucket LVRs where it is the bank's entry; a higher LVR usually costs more and that rate is in rows. Null lvr_min and lvr_max mean the bank states no LVR band, read as up to 80%. conditions is a key into condition_sets. unranked counts the rows no bucket ranks. comparison_rate_at_600000_pct is our comparison rate for a $600,000 loan over 25 years from the bank's published fees, not the bank's own figure (comparison_rate_pct, on $150,000); null where our check against the bank's figure failed or a fixed rate's revert rate is not known. Every product and rate row follows in products and rows.", "rates": [ {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"variable","rate_pct":6.59,"comparison_rate_pct":6.61,"comparison_rate_at_600000_pct":6.59,"product_label":"Neat - OO Variable P&I","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":80000,"loan_max":5000000,"annual_fee":null,"upfront_fees":null,"exit_fees":300,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.74,"comparison_rate_pct":6.84,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed OO P&I","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.79,"comparison_rate_pct":6.87,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed OO P&I","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.84,"comparison_rate_pct":6.9,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed OO P&I","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_5","rate_pct":6.99,"comparison_rate_pct":7.0,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed OO P&I","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"variable","rate_pct":6.9,"comparison_rate_pct":6.94,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Variable OO IO","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k3","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_1","rate_pct":6.84,"comparison_rate_pct":6.85,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed OO IO","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k4","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_2","rate_pct":6.84,"comparison_rate_pct":6.87,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed OO IO","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k4","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_3","rate_pct":6.89,"comparison_rate_pct":6.9,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed OO IO","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k4","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"fixed_5","rate_pct":7.04,"comparison_rate_pct":7.01,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed OO IO","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k4","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"principal_and_interest","kind":"variable","rate_pct":6.69,"comparison_rate_pct":6.71,"comparison_rate_at_600000_pct":6.69,"product_label":"Neat - INV Variable P&I","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":80000,"loan_max":5000000,"annual_fee":null,"upfront_fees":null,"exit_fees":300,"conditions":"k5","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.79,"comparison_rate_pct":6.94,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed INV P&I","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k6","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.84,"comparison_rate_pct":6.96,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed INV P&I","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k6","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.89,"comparison_rate_pct":6.98,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed INV P&I","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k6","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_5","rate_pct":7.04,"comparison_rate_pct":7.08,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed INV P&I","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k6","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"interest_only","kind":"variable","rate_pct":6.9,"comparison_rate_pct":6.8,"comparison_rate_at_600000_pct":null,"product_label":"Neat - INV Variable IO","lvr_min":0,"lvr_max":60,"reference_lvrs":[60],"loan_min":80000,"loan_max":5000000,"annual_fee":null,"upfront_fees":null,"exit_fees":300,"conditions":"k3","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"interest_only","kind":"fixed_1","rate_pct":6.89,"comparison_rate_pct":6.94,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed INV IO","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k4","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"interest_only","kind":"fixed_2","rate_pct":6.89,"comparison_rate_pct":6.96,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed INV IO","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k4","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"interest_only","kind":"fixed_3","rate_pct":6.94,"comparison_rate_pct":6.99,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed INV IO","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k4","restrictions":[],"eligibility":null,"record_stale":false}, {"purpose":"investment","repayment":"interest_only","kind":"fixed_5","rate_pct":7.09,"comparison_rate_pct":7.08,"comparison_rate_at_600000_pct":null,"product_label":"Flex - Fixed INV IO","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":80000,"loan_max":5000000,"annual_fee":250,"upfront_fees":null,"exit_fees":300,"conditions":"k4","restrictions":[],"eligibility":null,"record_stale":false} ], "condition_sets": { "k1": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing" ], "k2": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "k3": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360" ], "k4": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "k5": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 80% when refinancing" ], "k6": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 80% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ] }, "unranked": { "rows": 0 } }, "source": "Each bank's own published product data (its Consumer Data Right Product Reference Data API, public and unauthenticated), plus a few terms that data leaves out, read from the bank's own pages", "licence_note": "Rates are published by each bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "10", "product_name": "Flex - Fixed INV IO", "product_label": "Flex - Fixed INV IO", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "product_url_source": "feed", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "terms_url_source": "feed", "description": "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).", "offset": false, "redraw": true, "extra_repayments": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "fees": [ { "name": "Loan advance fee", "fee_type": "UPFRONT", "amount": 250.0, "frequency": null, "info": "To prepare loan documents and to arrange settlement of the loan." }, { "name": "Rate lock fee", "fee_type": "EVENT", "amount": 500.0, "frequency": null, "info": "To lock in the maximum annual percentage rate for 90 days from the application date. ." }, { "name": "Valuation fee", "fee_type": "OTHER", "amount": null, "frequency": null, "info": "First Valuation Fee covered up to $360. Second or further valuations are at cost." }, { "name": "Documentation fee", "fee_type": "EVENT", "amount": 100.0, "frequency": null, "info": "To issue a new set of loan documents if your requirements change." }, { "name": "Discharge fee", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "If we discharge a property (security interest) at your request. Charged per security" }, { "name": "Production fee", "fee_type": "EVENT", "amount": 110.0, "frequency": null, "info": "If we are required to send a certificate of title to another financial institution." }, { "name": "Break costs", "fee_type": "OTHER", "amount": null, "frequency": null, "info": "Break costs may be applicable." }, { "name": "Annual fee", "fee_type": "PERIODIC", "amount": 250.0, "frequency": "P1Y", "info": "Fee debited every year on the anniversary of the date we first give you the funds. Covers up to 5 Flex home loan accounts." } ], "fees_as_published": null, "max_lvr": 80.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/10", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/10.json", "snapshot_at": "2026-11-13T01:23:24Z", "bank_last_updated": "2026-11-13T00:00:33.9504780Z", "correction": null, "row_count": 4, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ] }, { "product_id": "9", "product_name": "Flex - Fixed INV P&I", "product_label": "Flex - Fixed INV P&I", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "product_url_source": "feed", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "terms_url_source": "feed", "description": "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).", "offset": false, "redraw": true, "extra_repayments": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "fees": [ { "name": "Loan advance fee", "fee_type": "UPFRONT", "amount": 250.0, "frequency": null, "info": "To prepare loan documents and to arrange settlement of the loan." }, { "name": "Rate lock fee", "fee_type": "EVENT", "amount": 500.0, "frequency": null, "info": "To lock in the maximum annual percentage rate for 90 days from the application date." }, { "name": "Valuation fee", "fee_type": "OTHER", "amount": null, "frequency": null, "info": "First Valuation Fee covered up to $360. Second or further valuations are at cost." }, { "name": "Documentation fee", "fee_type": "EVENT", "amount": 100.0, "frequency": null, "info": "To issue a new set of loan documents if your requirements change." }, { "name": "Discharge fee", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "If we discharge a property (security interest) at your request. Charged per security." }, { "name": "Production fee", "fee_type": "EVENT", "amount": 110.0, "frequency": null, "info": "If we are required to send a certificate of title to another financial institution." }, { "name": "Break costs", "fee_type": "OTHER", "amount": null, "frequency": null, "info": "Break costs may be applicable." }, { "name": "Annual fee", "fee_type": "PERIODIC", "amount": 250.0, "frequency": "P1Y", "info": "Fee debited every year on the anniversary of the date we first give you the funds. Covers up to 5 Flex home loan accounts." } ], "fees_as_published": null, "max_lvr": 90.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/9", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/9.json", "snapshot_at": "2026-11-13T01:23:24Z", "bank_last_updated": "2026-11-13T00:00:33.9504780Z", "correction": null, "row_count": 12, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 80% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ] }, { "product_id": "6", "product_name": "Flex - Fixed OO IO", "product_label": "Flex - Fixed OO IO", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "product_url_source": "feed", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "terms_url_source": "feed", "description": "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).", "offset": false, "redraw": true, "extra_repayments": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "fees": [ { "name": "Loan advance fee", "fee_type": "UPFRONT", "amount": 250.0, "frequency": null, "info": "To prepare your loan documents and to arrange settlement of the loan." }, { "name": "Rate lock fee", "fee_type": "EVENT", "amount": 500.0, "frequency": null, "info": "To lock in the maximum annual percentage rate for 90 days from the application date." }, { "name": "Valuation fee", "fee_type": "OTHER", "amount": null, "frequency": null, "info": "First Valuation Fee covered up to $360. Second or further valuations are at cost." }, { "name": "Documentation fee", "fee_type": "EVENT", "amount": 100.0, "frequency": null, "info": "To issue a new set of loan documents if your requirements change." }, { "name": "Discharge fee", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "If we discharge a property (security interest) at your request. Charged per security." }, { "name": "Production fee", "fee_type": "EVENT", "amount": 110.0, "frequency": null, "info": "If we are required to send a certificate of title to another financial institution." }, { "name": "Break costs", "fee_type": "OTHER", "amount": null, "frequency": null, "info": "Break costs may be applicable." }, { "name": "Annual fee", "fee_type": "PERIODIC", "amount": 250.0, "frequency": "P1Y", "info": "Fee debited every year on the anniversary of the date we first give you the funds. 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Comparison rate is based on loan to value ratio (LVR) of 85% for variable revert rate after fixed rate period ends.", "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/9", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/9.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "legal_entity_abn": "12004044937", "product_id": "9", "product_name": "Flex - Fixed INV P&I", "product_label": "Flex - Fixed INV P&I", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "kind": "fixed_5", "purpose": "investment", "repayment": "principal_and_interest", "rate": 0.0754, "rate_pct": 7.54, "comparison_rate": 0.0782, "comparison_rate_pct": 7.82, "lvr_min": 85.01, "lvr_max": 90.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "interest_in_advance": false, "offset": false, "redraw": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": 0.0764, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 7.81, "bank": 7.82 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 80% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "additional_info": "Investment 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.", "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/9", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/9.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "legal_entity_abn": "12004044937", "product_id": "6", "product_name": "Flex - Fixed OO IO", "product_label": "Flex - Fixed OO IO", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed_1", "purpose": "owner_occupied", "repayment": "interest_only", "rate": 0.0684, "rate_pct": 6.84, "comparison_rate": 0.0685, "comparison_rate_pct": 6.85, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "interest_in_advance": false, "offset": false, "redraw": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": null, "bank": 6.85, "reason": "revert rate not published" }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "additional_info": "Owner occupied with interest only repayments. 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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.", "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/5", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/5.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "legal_entity_abn": "12004044937", "product_id": "5", "product_name": "Flex - Fixed OO P&I", "product_label": "Flex - Fixed OO P&I", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed_1", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0704, "rate_pct": 7.04, "comparison_rate": 0.074, "comparison_rate_pct": 7.4, "lvr_min": 80.01, "lvr_max": 85.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "interest_in_advance": false, "offset": false, "redraw": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": 0.0719, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 7.39, "bank": 7.4 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "additional_info": "Owner 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.", "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/5", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/5.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "legal_entity_abn": "12004044937", "product_id": "5", "product_name": "Flex - Fixed OO P&I", "product_label": "Flex - Fixed OO P&I", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed_1", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0714, "rate_pct": 7.14, "comparison_rate": 0.0768, "comparison_rate_pct": 7.68, "lvr_min": 85.01, "lvr_max": 90.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "interest_in_advance": false, "offset": false, "redraw": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": 0.0749, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 7.67, "bank": 7.68 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "additional_info": "Owner 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.", "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/5", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/5.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "legal_entity_abn": "12004044937", "product_id": "5", "product_name": "Flex - Fixed OO P&I", "product_label": "Flex - Fixed OO P&I", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "kind": "fixed_2", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0679, "rate_pct": 6.79, "comparison_rate": 0.0687, "comparison_rate_pct": 6.87, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "interest_in_advance": false, "offset": false, "redraw": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": null, "bank": 6.87, "reason": "no variable rate reproduces the bank's figure" }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "additional_info": "Owner 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.", "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/5", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/5.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "legal_entity_abn": "12004044937", "product_id": "5", "product_name": "Flex - Fixed OO P&I", "product_label": "Flex - Fixed OO P&I", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "kind": "fixed_2", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0709, "rate_pct": 7.09, "comparison_rate": 0.074, "comparison_rate_pct": 7.4, "lvr_min": 80.01, "lvr_max": 85.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "interest_in_advance": false, "offset": false, "redraw": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": 0.0719, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 7.39, "bank": 7.4 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "additional_info": "Owner 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.", "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/5", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/5.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "legal_entity_abn": "12004044937", "product_id": "5", "product_name": "Flex - Fixed OO P&I", "product_label": "Flex - Fixed OO P&I", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "kind": "fixed_2", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0719, "rate_pct": 7.19, "comparison_rate": 0.0766, "comparison_rate_pct": 7.66, "lvr_min": 85.01, "lvr_max": 90.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "interest_in_advance": false, "offset": false, "redraw": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": 0.0749, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 7.64, "bank": 7.66 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "additional_info": "Owner 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.", "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/5", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/5.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "legal_entity_abn": "12004044937", "product_id": "5", "product_name": "Flex - Fixed OO P&I", "product_label": "Flex - Fixed OO P&I", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed_3", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0684, "rate_pct": 6.84, "comparison_rate": 0.069, "comparison_rate_pct": 6.9, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "interest_in_advance": false, "offset": false, "redraw": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": null, "bank": 6.9, "reason": "no variable rate reproduces the bank's figure" }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "additional_info": "Owner 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.", "source_url": "https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/5", "source_snapshot": "/au/finance/home-loans/v1/source/ubank/5.json", "bank_last_updated": "2026-11-13T00:00:33.9504780Z" }, { "brand": "UBank", "brand_label": "UBank", "brand_slug": "ubank", "legal_entity_abn": "12004044937", "product_id": "5", "product_name": "Flex - Fixed OO P&I", "product_label": "Flex - Fixed OO P&I", "product_url": "https://www.ubank.com.au/home-loans/flex-fixed-rate-home-loans", "terms_url": "https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed_3", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0724, "rate_pct": 7.24, "comparison_rate": 0.0744, "comparison_rate_pct": 7.44, "lvr_min": 80.01, "lvr_max": 85.0, "lvr_source": "tier", "loan_min": 80000.0, "loan_max": 5000000.0, "interest_in_advance": false, "offset": false, "redraw": true, "annual_fee": 250.0, "upfront_fees": null, "exit_fees": 300.0, "revert_rate": 0.0719, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 7.42, "bank": 7.44 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "Loans above 85% LVR limited to $2,000,000 per application", "Applicants must be Australian or NZ citizens or Australian permanent residents, live in Australia, be 18+; max 2 applicants", "No vacant land/construction, studio apartments, apartments under 40m2, student accommodation, or properties over 25 acres", "First valuation covered up to $360", "Max 90% LVR when buying; 85% when refinancing", "Extra repayments free up to $20,000 during the fixed term; break costs above that" ], "additional_info": "Owner occupied with principal and interest repayments. 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