OnlineNeat - OO Variable P&I
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.89%p.a.
Comparison*
5.91%p.a.
Monthly repayment
$2,962
LVR 70–80%
UBank
Online
Active products
23
Lowest variable
5.84%
Lowest fixed
6.49%
Lowest comparison
5.86%
Last updated
29 Apr 2026
ubank is NAB's digital-only home-loan brand, fully online with no branches. Following its 2022 absorption of 86 400, ubank's variable home loan is one of the more aggressively priced in the digital tier — clean variable rates, an offset add-on, and a fast app-driven application flow targeted at refinancers.
1 UBank home loan products
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