{
  "_id": "review.ubank-home-loan",
  "author": {
    "credentials": "Editorial Team, Norg Reviews",
    "name": "Norg Editorial Team",
    "sameAs": null,
    "slug": {
      "_type": "slug",
      "current": "editorial-team-norg"
    }
  },
  "cons": [
    "No branch fallback if you need in-person help with a complex application"
  ],
  "counterEvidence": null,
  "detailedReviews": null,
  "disclosureNote": null,
  "entity": {
    "abn": "12004044937",
    "bankingDetails": {
      "afslLicence": "AFSL 230686",
      "baseRate": 6.19,
      "comparisonRate": 6.21,
      "features": [
        "NAB-backed (Big Four parent)",
        "Free offset sub-account",
        "Online-first origination"
      ],
      "maxLVR": 80,
      "monthlyFee": 0,
      "productType": "home-loan"
    },
    "foundedYear": 2008,
    "name": "ubank Home Loan",
    "regulator": "AFSL 230686",
    "slug": {
      "_type": "slug",
      "current": "ubank-home-loan"
    },
    "vertical": "au-banks",
    "website": "https://www.ubank.com.au/home-loans"
  },
  "facts": null,
  "featureRatings": null,
  "keyTakeaways": [
    {
      "body": "Most lenders charge for offset. ubank includes it at no extra cost — meaning every dollar in your offset reduces interest payable, fully tax-effective vs a savings account.",
      "heading": "Free offset is the killer feature at this price"
    },
    {
      "body": "Linked transaction and savings accounts get the same FCS protection as the parent NAB. Important for borrowers parking large cash buffers.",
      "heading": "NAB ownership = FCS protection on linked deposits"
    },
    {
      "body": "NAB-backed but with the digital ubank stack — typically faster decision times than going direct to NAB.",
      "heading": "Origination is faster than peer Big Four"
    }
  ],
  "lastReviewedAt": "2026-05-14T04:48:34.276Z",
  "methodology": {
    "title": "AussieBanks Review — Home Loans Methodology",
    "version": "v1.0.0",
    "vertical": "au-banks"
  },
  "multiSourceRatings": null,
  "overallRating": 4.6,
  "pros": [
    "Big-Four ownership + free offset at digital-only pricing"
  ],
  "publishedAt": "2026-05-14T04:48:34.276Z",
  "rankingRationale": "NAB-backed digital with a free offset and sharp rate — neobank pricing with major-bank deposit protection.",
  "ratingBreakdown": null,
  "slug": {
    "_type": "slug",
    "current": "ubank-home-loan"
  },
  "status": "published",
  "title": "ubank Home Loan — home loan review"
}