UBank · Refinance · Updated November 2026

UBank Refinance Home Loans, November 2026

UBank lists 24 refinance home loans in the Ratesniffers index today. The lowest is 6.34% 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 refinance home loan rates, November 2026

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

VariableOnlineRedraw

Interest

6.34%p.a.

Comparison*

Not available

Est. repayment

$3,108

LVR ≤60%

Enquire

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

VariableOnlineRedraw

Interest

6.34%p.a.

Comparison*

Not available

Est. repayment

$3,108

LVR 60 to 70%

Enquire

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

VariableOnlineRedraw

Interest

6.39%p.a.

Comparison*

Not available

Est. repayment

$3,124

LVR 70 to 80%

Enquire

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

UBankNeat - OO Variable P&I

VariableOnlineRedraw

Interest

6.39%p.a.

Comparison*

6.62%p.a.

Est. repayment

$3,124

LVR 70 to 80%

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 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

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% - 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 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 Home Loan 1 Year Fixed Owner Occupied <80% LVR P&I

1y FixedOnlineRedraw

Interest

6.74%p.a.

Comparison*

6.66%p.a.

Est. repayment

$3,240

LVR ≤80%

Enquire

UBankFlex Home Loan 2 Year Fixed Owner Occupied <80% LVR P&I

2y FixedOnlineRedraw

Interest

6.79%p.a.

Comparison*

6.70%p.a.

Est. repayment

$3,256

LVR ≤80%

Enquire

UBankFlex - Fixed OO IO

1y FixedOnlineRedraw

Interest

6.84%p.a.

Comparison*

6.63%p.a.

Est. interest only / month

$2,850

LVR not stated

Based on a $500,000 balance

Enquire

UBankFlex - Fixed OO IO

2y FixedOnlineRedraw

Interest

6.84%p.a.

Comparison*

6.67%p.a.

Est. interest only / month

$2,850

LVR not stated

Based on a $500,000 balance

Enquire

UBankFlex Home Loan 1 Year Fixed Owner Occupied IO

1y FixedOnlineRedraw

Interest

6.84%p.a.

Comparison*

Not available

Est. interest only / month

$2,850

LVR ≤80%

Based on a $500,000 balance

Enquire

UBankFlex Home Loan 2 Year Fixed Owner Occupied IO

2y FixedOnlineRedraw

Interest

6.84%p.a.

Comparison*

Not available

Est. interest only / month

$2,850

LVR ≤80%

Based on a $500,000 balance

Enquire

UBankFlex Home Loan 3 Year Fixed Owner Occupied <80% LVR P&I

3y FixedOnlineRedraw

Interest

6.84%p.a.

Comparison*

6.75%p.a.

Est. repayment

$3,273

LVR ≤80%

Enquire

UBankFlex - Fixed OO IO

3y FixedOnlineRedraw

Interest

6.89%p.a.

Comparison*

6.72%p.a.

Est. interest only / month

$2,871

LVR not stated

Based on a $500,000 balance

Enquire

UBankFlex Home Loan 3 Year Fixed Owner Occupied IO

3y FixedOnlineRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. interest only / month

$2,871

LVR ≤80%

Based on a $500,000 balance

Enquire

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

VariableOnlineRedraw

Interest

6.94%p.a.

Comparison*

Not available

Est. repayment

$3,306

LVR 80 to 85%

Enquire

UBankFlex Home Loan 5 Year Fixed Owner Occupied <80% LVR P&I

5y FixedOnlineRedraw

Interest

6.99%p.a.

Comparison*

6.89%p.a.

Est. repayment

$3,323

LVR ≤80%

Enquire

UBankFlex - Fixed OO IO

5y FixedOnlineRedraw

Interest

7.04%p.a.

Comparison*

6.86%p.a.

Est. interest only / month

$2,933

LVR not stated

Based on a $500,000 balance

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 · Refinance

UBank refinance home loans, what to weigh

UBank's refinance-eligible products. Compare against your existing rate plus exit costs. 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 refinance option has the same price.