Ubank Flex Home Loan – Fixed

Check out this flexible fixed rate offer from a digital lender, with rates for home buyers and investors.

The Flex home loan - fixed from ubank is a fixed rate loan that offers competitive rates and flexible options, including a redraw facility and limited extra repayments. The loan is available for PAYG borrowers and has rates for home buyers and investors, plus the choice to make interest-only repayments.

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Review by


Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification.

Expert review

This fixed loan has competitive rates and only a few fees. It's more flexible than many fixed rate loans, as it offers a redraw facility and you can make up to $20,000 in extra repayments during the fixed term.

About this loan

What are the features and benefits of the ubank Flex Home Loan - Fixed?

  • Loan purpose. The ubank Flex Home Loan - Fixed is available for both owner-occupiers and property investors. It has different rates for each. Borrowers can also choose interest-only repayments.
  • Loan-to-value ratio. You can borrow up to 85% of your property's value.
  • Features. This loan lets you make up to $20,000 in extra repayments during the fixed period. It also offers a redraw facility, allowing you to spend extra repayments if you need to. There's a split option allowing you to divide your loan into fixed and variable portions.
  • Fees. The loan has an application fee and a service fee charged yearly to maintain your account.

How to apply

If you'd like to apply for this product or just get more information, click the green button and follow the application process to speak to an ubank mortgage specialist.

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