UBank · Offset · Updated November 2026

UBank Offset Account Home Loans, November 2026

UBank lists 20 offset home loans in the Ratesniffers index today. The lowest is 6.34% p.a. (comparison rate 6.57% p.a.), on Flex Home Loan Owner Occupied <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 offset home loan rates, November 2026

UBankFlex Home Loan Owner Occupied <60% LVR P&I

VariableOnlineOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.57%p.a.

Est. repayment

$3,108

LVR ≤60%

Enquire

UBankFlex Home Loan Owner Occupied 60% - 70% LVR P&I

VariableOnlineOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.57%p.a.

Est. repayment

$3,108

LVR 60 to 70%

Enquire

UBankFlex - Variable OO P&I

VariableOnlineOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.62%p.a.

Est. repayment

$3,124

LVR 70 to 80%

Enquire

UBankFlex Home Loan Owner Occupied 70% - 80% LVR P&I

VariableOnlineOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.62%p.a.

Est. repayment

$3,124

LVR 70 to 80%

Enquire

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

Enquire

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.

UBankFlex Home Loan Owner Occupied <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

Enquire

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%

Enquire

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

Enquire

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

Enquire

UBankFlex Home Loan Owner Occupied 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

Enquire

UBankFlex - Variable OO IO

VariableOnlineOffsetRedraw

Interest

6.69%p.a.

Comparison*

6.71%p.a.

Est. interest only / month

$2,788

LVR 70 to 80%

Based on a $500,000 balance

Enquire

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%

Enquire

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

Enquire

UBankFlex Home Loan Owner Occupied 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

Enquire

UBankFlex - Variable INV P&I

VariableOnlineOffsetRedraw

Interest

6.54%p.a.

Comparison*

6.77%p.a.

Est. repayment

$3,174

LVR 70 to 80%

Enquire

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%

Enquire

UBankFlex Home Loan Owner Occupied 80% - 85% LVR P&I

VariableOnlineOffsetRedraw

Interest

6.94%p.a.

Comparison*

7.17%p.a.

Est. repayment

$3,306

LVR 80 to 85%

Enquire

UBankFlex Home Loan Owner Occupied 85% - 90% LVR P&I

VariableOnlineOffsetRedraw

Interest

7.24%p.a.

Comparison*

7.46%p.a.

Est. repayment

$3,407

LVR 85 to 90%

Enquire

UBankFlex Home Loan Investment 80% - 85% LVR P&I

VariableOnlineOffsetRedraw

Interest

7.29%p.a.

Comparison*

7.51%p.a.

Est. repayment

$3,424

LVR 80 to 85%

Enquire

UBankFlex Home Loan Investment 85% - 90% LVR P&I

VariableOnlineOffsetRedraw

Interest

7.39%p.a.

Comparison*

7.61%p.a.

Est. repayment

$3,458

LVR 85 to 90%

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 · Offset

UBank offset home loans, what to weigh

100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. 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 offset option has the same price.