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UBank · Investor · Updated November 2026

UBank Investment Loan Rates, November 2026

UBank lists 24 investor home loans in the Ratesniffers index today. The lowest is 6.44% p.a., on Neat Home Loan Investment <60% LVR P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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UBank investor home loan rates, November 2026

UBank logo
UBankNeat Home Loan Investment <60% LVR P&I
VariableOnlineRedraw
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR ≤60%
UBank logo
UBankNeat Home Loan Investment 60% - 70% LVR P&I
VariableOnlineRedraw
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR 60 to 70%
UBank logo
UBankNeat Home Loan Investment 70% - 80% LVR P&I
VariableOnlineRedraw
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR 70 to 80%
UBank logo
UBankFlex Home Loan Investment <60% LVR IO
VariableOnlineOffsetRedraw
Interest
6.65%p.a.
Comparison*
Not available
Est. interest only / month
$2,771
LVR ≤60%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankNeat Home Loan Investment <60% LVR IO
VariableOnlineRedraw
Interest
6.65%p.a.
Comparison*
Not available
Est. interest only / month
$2,771
LVR ≤60%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankFlex Home Loan Investment <60% LVR P&I
VariableOnlineOffsetRedraw
Interest
6.44%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,141
LVR ≤60%
UBank logo
UBankNeat - INV Variable IO
VariableOnlineRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 70 to 80%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankFlex - Variable INV IO
VariableOnlineOffsetRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 70 to 80%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankFlex Home Loan Investment 60% - 70% LVR IO
VariableOnlineOffsetRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankNeat Home Loan Investment 60% - 70% LVR IO
VariableOnlineRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankFlex Home Loan Investment 60% - 70% LVR P&I
VariableOnlineOffsetRedraw
Interest
6.49%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,157
LVR 60 to 70%
UBank logo
UBankFlex Home Loan Investment 70% - 80% LVR IO
VariableOnlineOffsetRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR 70 to 80%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankNeat Home Loan Investment 70% - 80% LVR IO
VariableOnlineRedraw
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR 70 to 80%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankNeat - INV Variable P&I
VariableOnlineRedraw
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR 70 to 80%
UBank logo
UBankFlex - Variable INV P&I
VariableOnlineOffsetRedraw
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR 70 to 80%
UBank logo
UBankFlex Home Loan Investment 70% - 80% LVR P&I
VariableOnlineOffsetRedraw
Interest
6.54%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,174
LVR 70 to 80%
UBank logo
UBankFlex Home Loan 1 Year Fixed Investment <80% LVR P&I
1y FixedOnlineRedraw
Interest
6.79%p.a.
Comparison*
6.80%p.a.
Est. repayment
$3,256
LVR ≤80%
UBank logo
UBankFlex Home Loan 2 Year Fixed Investment <80% LVR P&I
2y FixedOnlineRedraw
Interest
6.84%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,273
LVR ≤80%
UBank logo
UBankFlex - Fixed INV IO
1y FixedOnlineRedraw
Interest
6.89%p.a.
Comparison*
6.47%p.a.
Est. interest only / month
$2,871
LVR not stated
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankFlex - Fixed INV IO
2y FixedOnlineRedraw
Interest
6.89%p.a.
Comparison*
6.51%p.a.
Est. interest only / month
$2,871
LVR not stated
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankFlex Home Loan 1 Year Fixed Investment IO
1y FixedOnlineRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. interest only / month
$2,871
LVR ≤80%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankFlex Home Loan 2 Year Fixed Investment IO
2y FixedOnlineRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. interest only / month
$2,871
LVR ≤80%
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

UBank logo
UBankFlex Home Loan 3 Year Fixed Investment <80% LVR P&I
3y FixedOnlineRedraw
Interest
6.89%p.a.
Comparison*
6.87%p.a.
Est. repayment
$3,290
LVR ≤80%
UBank logo
UBankFlex - Fixed INV IO
3y FixedOnlineRedraw
Interest
6.94%p.a.
Comparison*
6.56%p.a.
Est. interest only / month
$2,892
LVR not stated
Based on a $500,000 balance

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

*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 · Investor

UBank investor home loans, what to weigh

UBank's investor panel, interest-only options where available, ranked sharpest-first by comparison rate. 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 investor option has the same price.

See also UBank's full product range, repayment calculator, and refinance savings calculator.

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