UBank · Interest only · Updated September 2026

UBank Interest only Home Loans, September 2026

UBank lists 24 interest-only home loans in the Ratesniffers index today. The lowest is 6.40% p.a., on Flex Home Loan Investment <60% LVR IO. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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UBank interest-only home loan rates, September 2026

UBankFlex Home Loan Investment <60% LVR IO

VariableOnlineOffsetRedraw

Interest

6.40%p.a.

Comparison*

Not available

Est. repayment

$3,128

LVR ≤60%

Enquire

UBankFlex Home Loan Owner Occupied <60% LVR IO

VariableOnlineOffsetRedraw

Interest

6.40%p.a.

Comparison*

Not available

Est. repayment

$3,128

LVR ≤60%

Enquire

UBankNeat Home Loan Investment <60% LVR IO

VariableOnlineRedraw

Interest

6.40%p.a.

Comparison*

Not available

Est. repayment

$3,128

LVR ≤60%

Enquire

UBankNeat - INV Variable IO

VariableOnlineRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 70 to 80%

Enquire

UBankFlex Home Loan Investment 60% - 70% LVR IO

VariableOnlineOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 60 to 70%

Enquire

UBankFlex Home Loan Owner Occupied 60% - 70% LVR IO

VariableOnlineOffsetRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 60 to 70%

Enquire

UBankNeat Home Loan Investment 60% - 70% LVR IO

VariableOnlineRedraw

Interest

6.44%p.a.

Comparison*

Not available

Est. repayment

$3,141

LVR 60 to 70%

Enquire

UBankFlex - Variable OO IO

VariableOnlineOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.46%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

UBankFlex Home Loan Investment 70% - 80% LVR IO

VariableOnlineOffsetRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR 70 to 80%

Enquire

UBankFlex Home Loan Owner Occupied 70% - 80% LVR IO

VariableOnlineOffsetRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR 70 to 80%

Enquire

UBankNeat Home Loan Investment 70% - 80% LVR IO

VariableOnlineRedraw

Interest

6.49%p.a.

Comparison*

Not available

Est. repayment

$3,157

LVR 70 to 80%

Enquire

UBankFlex - Fixed OO IO

1y FixedOnlineRedraw

Interest

6.59%p.a.

Comparison*

6.38%p.a.

Est. repayment

$3,190

LVR not stated

Enquire

UBankFlex - Fixed OO IO

2y FixedOnlineRedraw

Interest

6.59%p.a.

Comparison*

6.42%p.a.

Est. repayment

$3,190

LVR not stated

Enquire

UBankFlex Home Loan 1 Year Fixed Owner Occupied IO

1y FixedOnlineRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR ≤80%

Enquire

UBankFlex Home Loan 2 Year Fixed Owner Occupied IO

2y FixedOnlineRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. repayment

$3,190

LVR ≤80%

Enquire

UBankFlex - Variable INV IO

VariableOnlineOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.60%p.a.

Est. repayment

$3,141

LVR 70 to 80%

Enquire

UBankFlex - Fixed INV IO

1y FixedOnlineRedraw

Interest

6.64%p.a.

Comparison*

6.47%p.a.

Est. repayment

$3,207

LVR not stated

Enquire

UBankFlex - Fixed INV IO

2y FixedOnlineRedraw

Interest

6.64%p.a.

Comparison*

6.51%p.a.

Est. repayment

$3,207

LVR not stated

Enquire

UBankFlex - Fixed OO IO

3y FixedOnlineRedraw

Interest

6.64%p.a.

Comparison*

6.47%p.a.

Est. repayment

$3,207

LVR not stated

Enquire

UBankFlex Home Loan 1 Year Fixed Investment IO

1y FixedOnlineRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR ≤80%

Enquire

UBankFlex Home Loan 2 Year Fixed Investment IO

2y FixedOnlineRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR ≤80%

Enquire

UBankFlex Home Loan 3 Year Fixed Owner Occupied IO

3y FixedOnlineRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR ≤80%

Enquire

UBankFlex - Fixed INV IO

3y FixedOnlineRedraw

Interest

6.69%p.a.

Comparison*

6.56%p.a.

Est. repayment

$3,223

LVR not stated

Enquire

UBankFlex Home Loan 3 Year Fixed Investment IO

3y FixedOnlineRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR ≤80%

Enquire

*Important Information and Comparison Rate Warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

UBank · Interest only

UBank interest only home loans, what to weigh

Interest-only loans don't amortise during the IO term, they only stack up when capital growth is doing the heavy lifting. Owner-occupier IO is APRA-restricted; most IO products on the panel are investor. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every interest only option has the same price.