UBank · Owner-occupier · Updated September 2026

UBank Owner-occupier Home Loans, September 2026

UBank lists 23 owner occupier home loans in the Ratesniffers index today. The lowest is 6.09% p.a., on Neat 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 owner occupier home loan rates, September 2026

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

VariableOnlineRedraw

Interest

6.09%p.a.

Comparison*

Not available

Est. repayment

$3,027

LVR ≤60%

Enquire

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

VariableOnlineRedraw

Interest

6.09%p.a.

Comparison*

Not available

Est. repayment

$3,027

LVR 60 to 70%

Enquire

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

VariableOnlineRedraw

Interest

6.14%p.a.

Comparison*

Not available

Est. repayment

$3,043

LVR 70 to 80%

Enquire

UBankNeat - OO Variable P&I

VariableOnlineRedraw

Interest

6.14%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,043

LVR 70 to 80%

Enquire

UBankFlex - Variable OO P&I

VariableOnlineOffsetRedraw

Interest

6.14%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,043

LVR 70 to 80%

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

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

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 Owner Occupied 70% - 80% LVR IO

VariableOnlineOffsetRedraw

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 - 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 3 Year Fixed Owner Occupied IO

3y FixedOnlineRedraw

Interest

6.64%p.a.

Comparison*

Not available

Est. repayment

$3,207

LVR ≤80%

Enquire

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

VariableOnlineRedraw

Interest

6.69%p.a.

Comparison*

Not available

Est. repayment

$3,223

LVR 80 to 85%

Enquire

UBankFlex - Fixed OO IO

5y FixedOnlineRedraw

Interest

6.79%p.a.

Comparison*

6.61%p.a.

Est. repayment

$3,256

LVR not stated

Enquire

UBankFlex Home Loan 5 Year Fixed Owner Occupied IO

5y FixedOnlineRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR ≤80%

Enquire

UBankFlex - Fixed OO P&I

1y FixedOnlineRedraw

Interest

6.74%p.a.

Comparison*

6.92%p.a.

Est. repayment

$3,240

LVR ≤80%

Enquire

UBankFlex - Fixed OO P&I

2y FixedOnlineRedraw

Interest

6.79%p.a.

Comparison*

6.94%p.a.

Est. repayment

$3,256

LVR ≤80%

Enquire

UBankFlex - Fixed OO P&I

3y FixedOnlineRedraw

Interest

6.94%p.a.

Comparison*

6.99%p.a.

Est. repayment

$3,306

LVR ≤80%

Enquire

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

VariableOnlineRedraw

Interest

6.99%p.a.

Comparison*

Not available

Est. repayment

$3,323

LVR 85 to 90%

Enquire

UBankFlex - Fixed OO P&I

5y FixedOnlineRedraw

Interest

7.09%p.a.

Comparison*

7.10%p.a.

Est. repayment

$3,357

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 · Owner-occupier

UBank owner-occupier home loans, what to weigh

UBank's owner-occupier panel, P&I and offset-eligible products at every LVR band, 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 owner-occupier option has the same price.