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UBank Home Loans

Since 2007, UBank has been providing Australians with a wide range of banking products, including home and car loans and savings and transaction accounts. UBank makes applying for a home loan fast and simple with 24 hour a day customer support. UBank is an online-only lender which is backed by NAB.

UBank has won numerous awards including Money Magazine’s “Best of the Best” award, the BAI Financial Global Product Innovation Award for its refinance mortgage UHomeloan and the 2012 Australian Lending Award for Best Online Operator.

UBank UHomeLoan Loan

The UBank UHomeLoan Loan offers borrowers a low variable interest rate and no application or ongoing loan fees. This loan has a minimum borrowing amount of $100,000 and a maximum of $2,000,000. This loan gives customers the freedom to make additional loan repayments, which can be accessed at a later stage using the unlimited free redraw facility. This loan has a maximum term of 30 years and can lend you up to 80 per cent of the property value. Other loan features include a portability feature, interest-only payments, split loan option and 24-7 customer support. This loan has no offset facility.

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UBank Value Offer Loan

The UBank Value Offer Loan offers owner-occupiers a discount off the UHomeLoans Standard Variable Rate when this loan is used for owner-occupied properties with principal and interest repayments. Value Offer Loan gives borrowers a competitive interest rate which can be split across both variable and fixed rate home loans. This loan has no application or ongoing loan. Other loan perks include unlimited, fee-free redraws on variable rate loans, flexible repayment options and the ability to make extra loan repayments. This loan has a loan term of 30 years and customers can borrow up to 80 per cent of the property value with a maximum loan amount of $2,000,000. This loan has no offset facility.

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UBank Investor Extra Offer Loan

The UBank Investor Extra Offer Loan offers investors a discounted interest rate off the UHomeLoans Standard Variable Rate when this loan is used for investment properties and is combined with interest-only repayments. The Investor Extra Offer Loan offers borrowers a competitive interest rate which can be split across both variable and fixed rate home loans. This loan has no application or ongoing fees. Other loan perks include unlimited, fee-free redraws on variable rate loans, flexible repayment options and the ability to make extra loan repayments. This loan has a loan term of 30 years and customers can borrow up to 80 per cent of the property value with a maximum loan amount of $2,000,000. This loan has no offset facility.

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Home Loans from UBank

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Pros
  • Flexible loan options.
  • Loans have no ongoing or application fees.
  • Fast application and turnaround process.
  • Some loans offer additional discounts.
Cons
  • No branch network.
  • Loans require a minimum deposit of 20 per cent or more.
  • Loans don’t offer offset accounts.
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Customer Service

As UBank is an online-only lender, it does not have any branches or mobile lenders. Home loan customers can contact UBank 24 hours a day by calling the customer support hotline or by using Skype.

✓     Customer service centre (phone)

✓     Mobile app

✓     Online banking

✓     Email

✓     Live Chat

Applying and Eligibility

Customers wanting to apply for a UBank loan can apply by filling out an online application form or by calling the bank. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Name and contact details of each borrower.
  • Proof of income and employment.
  • List of income and expenses including credit card loans and car loans.
  • Property details like the contract of sale.
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