Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments (owner occupied, interest only loan).
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.65% | 6.69% | Variable · owner occupied · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.71% | Variable · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.74% | 6.76% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/4- Content hash
sha256 9e546857b69ef79d93d9505431c3325dff87a75e1ac029caa20176a3467dbf04- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_9e546857b69ef79d_8fde22beShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr-api.86400.com.au/cds-au/v1/banking/products/4- Content hash
sha256 9e546857b69ef79d93d9505431c3325dff87a75e1ac029caa20176a3467dbf04- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Loan advance fee | Upfront | $250.00 |
| Valuation fee | Other | Set in your letter of offer |
| Documentation fee | Event | $100.00 |
| Discharge fee | Event | $300.00 |
| Production fee | Event | $110.00 |
| Annual fee | Periodic | $250.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | ||
| Extra repayments | ||
| Notifications | Customers can configure notifications for incoming payments, services disruptions and updates, and account access. | Customers can configure notifications for incoming payments, services disruptions and updates, and account access. |
| Npp enabled | ||
| Offset | ||
| Other | Split loan available, subject to product terms and conditions. | |
| Redraw | ||
| Eligibility: employment status | Applicants must be a PAYG employee. | Applicants must be a PAYG employee. |
| Eligibility: min age | 18 | |
| Eligibility: natural person | ||
| Eligibility: other | - Max 2 borrowers. - Be applying either individually, or jointly with their spouse or de facto partner that they currently live with or intend to live with after settlement in the same household (You won't be able to apply with a sibling or parent). - Credit criteria, fees and charges apply. | |
| Eligibility: residency status | Be an Australian or New Zealand citizen, or a permanent resident of Australia. | Be an Australian or New Zealand citizen, or a permanent resident of Australia. |
| Limit: max limit | 5000000.00 | |
| Limit: max lvr | 80.00 | |
| Limit: min limit | 80000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.65% | 6.69% |
| Variable · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.69% | 6.71% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.74% | 6.76% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Registered channels
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