Essential Home Loan 100% Offset Fixed (Interest Only) 5 Years
Discount Variable Home Loan
Special$0 Application feeMake the move to UBank's award winning home loan
Advertised Rate
Comparison Rate*
3.09%
3.09%
Owner Occupier Discounted...
- Extra low interest rate for refinancers
- No upfront or ongoing fees
Promoted
Advertised rate
4.91%
Fixed - 5 years then 3.47%
Comparison rate*
4.03%
monthly Repayment
$0
Compare
Customise your mortgage repayments by entering your details:
Pros and Cons
Pros:
- No ongoing fees
- 100% full offset account
- Suitable for low deposits
- Extra repayments + redraw services
Cons:
- Limited extra repayments
- Discharge fee at end of loan
- Repayments won't decrease if RBA cuts rates
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Fees and Features
Maximum LVR | Maximum LVR 95% |
|---|---|
Interest rate structure | Interest rate structure Fixed - 5 years |
Borrowing range | |
Total repayments | |
Principal & interest | Principal & interest |
Interest only | Interest only |
Loan term | Loan term 0 - 30 years |
Offset account | Offset account 100% offset account |
Extra repayments | Extra repayments Allowed with restrictions |
Redraw facility | Redraw facility Redraw fee: $0 |
Allows split interest | Allows split interest |
Suitable For | Suitable ForOwner Occupiers |
Applicable States | Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Make Repayments | Make RepaymentsFortnightly, Monthly, Weekly |
Estimated upfront fees | Estimated upfront fees $150.00 |
Application fee | Application fee $150 |
Settlement fee | Settlement fee $0 |
Valuation fee | Valuation fee $0 |
Legal fee | Legal fee $0 |
Ongoing fee | Ongoing fee $0 |
Discharge fee | Discharge fee $200 |
Property Type | Property Type |
SMSF Trustee | SMSF Trustee |
Minimum SMSF Amount | Minimum SMSF Amount |
Maximum LVR | Maximum LVR 95% |
|---|---|
Interest rate structure | Interest rate structure Fixed - 5 years |
Borrowing range | |
Total repayments | |
Principal & interest | Principal & interest |
Interest only | Interest only |
Loan term | Loan term 0 - 30 years |
Offset account | Offset account 100% offset account |
Extra repayments | Extra repayments Allowed with restrictions |
Redraw facility | Redraw facility Redraw fee: $0 |
Allows split interest | Allows split interest |
Suitable For | Suitable ForOwner Occupiers |
Applicable States | Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA |
|---|---|
Make Repayments | Make RepaymentsFortnightly, Monthly, Weekly |
Estimated upfront fees | Estimated upfront fees $150.00 |
Application fee | Application fee $150 |
Settlement fee | Settlement fee $0 |
Valuation fee | Valuation fee $0 |
Legal fee | Legal fee $0 |
Ongoing fee | Ongoing fee $0 |
Discharge fee | Discharge fee $200 |
Property Type | Property Type |
SMSF Trustee | SMSF Trustee |
Minimum SMSF Amount | Minimum SMSF Amount |
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