Rating based on 61 reviews

U Bank

  • Home loans up to $2,000,000
  • Low-interest starting from 2.49%
  • Repayment up to 30 years

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Author U Bank. Screenshot of U Bank website.
[Accessed March 17, 2023]

About U Bank

U Bank Home Loans in Australia has over a decade of experience in obtaining home loans through leveraging off our investors, using our accreditation and having the right people in our firm to help our clients.

Simple philosophies

Our work processes run through simple philosophies which we bring into our daily routines. By assisting clients honestly and with integrity, we have established a long list of thousands of happy homeowners over the years.

We are highly competitive in the market, always looking to be the best and offer the best in our products. Our clients benefit from this by receiving the most affordable and efficient home loan solutions.

Available to clients 24 hours a day

Our innovation allows U Bank to stand above the norm, with assistance available to clients 24 hours a day, and online personal loans available at any time through our online platforms. With U Bank, you get a safe environment with people who know the business and are here at all times to assist you with your financial requirements.

U Bank Services

U Bank in Australia offers clients some of the best solutions in the financial market when wanting to buy a home.

A loan for all to comfortably access and afford

We understand the stress that comes with trying to work out your budget, whether you can afford to pay for your loan, and if you qualify for added benefits. We have taken all this into account when putting together home loan options for every Australian to comfortably access and afford. What makes us unique is our no ongoing fees policy!

No annual fees or application fees

We understand there are so many other added costs like insurance and inspection fees you need to budget for, so we take as much cost out of our mortgages as we can. We also offer the benefits of Loyalty discounts off the standard variable rate should you be in control of your repayments for 3 years. We are flexible and offer convenient options for you to choose from.

U Bank – Home loan

  • Loan Type Home loans
  • Interest Rate from 2.49%
  • Loan Amount up to $2,000,000
  • Repayment 30 years

Benefits of U Bank

  • Apply for a loan even if you have a bad credit record
  • Affordable fixed-rate home loans
  • Apply online, it's quick and easy

Now you can afford your own home!

U Bank Home Loans are not your average financial firm. We have taken the home loan and made it an investment, bringing you benefits in every aspect.

Through innovative technologies and the ability to keep above the most updated benefits available, we offer these down to our clients.

Our fixed-rate home loans have a minimal fee

Should you choose to opt for our variable rate home loan, we offer no penalties for early payment on your loan.

Clients who have paid consecutively over a three year period on their home loan qualify for our loyal benefits where interest rates are minimised with a discount. Our applications are easy to access, by submitting the documents listed below, your loan will be well on its way for approval!

Required supporting documents:

• Proof of income (3 months payslips)
• Home loan statements if you currently own a home
• Proof of your identity (driver’s license or passport)
• Council rates notice
• Clients must be Australian citizens and over 18 years old

Processing times and customer service support 

Our loans can take up to 6 weeks to process, depending on any out of the ordinary information which may include clients being self-employed, or if you have bad credit scoring.

Should you require any information before making your online loan application, we have an experienced team members on hand 24 hours a day to take your call, and help you with any pre-application questions you may have.

Once your loan is approved, you can start a house hunt, and find the right home in your loan bracket.

man holding thumbs up

U Bank is a trusted & reliable provider of home loans

In our review, U Bank adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ U Bank is a registered credit provider in Australia: ACL 391192

Customer Reviews & Testimonials

April 2019

The app saves you the time of always having to call the bank and find out how much you owe with the app all you have to do is look and see.

Jackie T
— Melbourne —

June 2019

They will help you at any time of the day with all your queries because they are a company that truly cares about you.

Tom W
— Perth —

U Bank Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday – Closed
  • Sunday – Closed