Applications only available online - it's easy!



A refinance rate worth switching for

Switch to a UHomeLoan and enjoy an incredibly low variable rate of 5.83%p.a. This great rate includes a 0.20%p.a Loyalty Discount for the life of the loan.


Save money

  • An incredibly low rate.
  • No bank fees whatsoever – no application or admin fees.
  • Unlimited, fee-free redraws – online.

Save time

  • Get your home loan refinanced faster with our quick, simple and secure online application. You can even save a partly complete application and finish it later.
  • Our online Application Tracker allows you to keep track of your application status.
  • Our Australia-based call centre is open 24 hours a day - giving you access to a real person if you need support.
  • By using our UHomeLoan calculator, you can generate a personalised Key Facts Sheet to help you compare and select the most appropriate loan. Simply select the Advanced option in our UHomeLoan calculator, enter your loan details and click the 'View Key Facts Sheet' button to view your printable report. Please note that the UHomeLoan is only available as a 30 year term.

5.83 % p.a.
Variable and comparison rate
UBank home loan wins Mortgage of the Year
UBank home loan wins Mortgage of the Year

The comparison rate is based on a secured loan of $150,000 over the term of 25 years. Warning: This comparison rate only applies 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.