ubank home loan interest rates for owner-occupier principal & interest loans — 3 products, variable and fixed, with comparison rates, fees and current offers. Updated 2026-09-16.
| Loan | Variable | Fixed (duration) | Comparison | Fees | Special offers |
|---|---|---|---|---|---|
| Neat Variable Home Loan Owner-occupier P&I, LVR <=60%; no offset | 6.09% | — | 6.11% | No application or annual fees | — |
| Reach Variable Home Loan Owner-occupier P&I; 100% offset included | 6.24% | — | 6.28% | No annual fee | — |
| Fixed Rate Home Loan | — | 1yr 6.19%2yr 6.19%3yr 6.24% | — | Fixed terms 1-5 years | — |
About ubank
Digital-only bank owned by National Australia Bank (NAB), formed from the merger of ubank and 86 400 in 2021; offers retail banking and home loans entirely online with no branches.
- Website: www.ubank.com.au
- Contact: 13 30 80 (within Australia) or +61 2 9070 0202 (overseas); in-app chat support
Current ubank rates: lowest variable 6.09%, lowest fixed 6.19%.
Rate source: https://www.ubank.com.au/home-loans/interest-rates-and-fees.