RatesBoard

Ubank home loan rates

Ranked by advertised rate, Ubank's lowest advertised rate we track is 6.34% advertised (6.36% comparison) on the Neat Variable - 23rd of 31 lenders we track. Rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.

Its lowest variable home loan rate we track is 6.34% advertised (6.36% comparison) on the Neat Variable; its lowest fixed home loan rate we track is 6.74% advertised (6.62% comparison) on the Flex Fixed. Rates as at 28 Oct 2026.

We track 6 Ubank owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 28 Oct 2026. See our methodology.

At the lowest advertised rate we track - 6.34% on the Neat Variable - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,729 a month (an arithmetic example, not a quote or an offer). Rates as at 28 Oct 2026.

Ubank since the 29 Sept 2026 RBA decision

The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.

Ubank has changed 2 variable rates in its published data since:

  1. Flex Variable Home Loan - variable with offset, <=70% LVR6.09% → 6.34%(+25 bp)matches the cash rate move
  2. Neat Variable Home Loan - variable, no-offset, <=70% LVR6.09% → 6.34%(+25 bp)matches the cash rate move

Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →

Ubank products (6)

ProductTypeAdvertisedComparisonMax LVRLender link
Neat VariableUbank
Variable6.34%6.36%70%link
Flex VariableUbank
Variable6.34%6.58%70%link
Flex FixedUbank
Fixed 1yr6.74%6.62%60%link
Flex FixedUbank
Fixed 2yr6.79%6.67%60%link
Flex FixedUbank
Fixed 3yr6.84%6.72%60%link
Flex FixedUbank
Fixed 5yr6.99%6.87%60%link

Ubank recent rate changes

2 of Ubank's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.

  1. Neat Variable Home Loan - variable, no-offset, <=70% LVR6.09% → 6.34%(+25 bp)previous value last seen 8 Oct 2026
  2. Flex Variable Home Loan - variable with offset, <=70% LVR6.09% → 6.34%(+25 bp)previous value last seen 8 Oct 2026
Ubank rate history
Lowest advertised rate over time, against the RBA cash rate

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