UHomLoan from UBank are offering some pretty decent home loan rates at the moment and a $0 application fee! not Bad! from just 4.48% fixed for one year and even their 5 year fixed rate is low compared to many other banks shorter term loans:

UBank - UHomeLoan - Fixed Rate Loan | InfoChoice

UHomeLoan - Fixed Rate Loan

Fixed Rates: All Terms (p.a.)

Terms Fixed Rate Comparison Rate
1 Year
4.48%
4.86%
5 Year
5.16%
4.96%

Loyalty Discount of 0.10% p.a. off the variable interest rate after three years or after fixed term expiry, whichever occurs later. You'll then earn the discount on the variable rate for the life of your loan.
With a UHomeLoan, you’ll also benefit from:
No ongoing fees
A quick and easy online application


Security Type
ResidentialProperty

Availability
Owner Occupiers, Investors

Repayment Options
Principal & Interest, Interest Only

Repayment Frequency
Weekly, Fortnightly, Monthly

Interest Rate Notes


Min Loan Term
30

Max Loan Term
30

Min Loan Amount
$100,000.00

Max Loan Amount
$1,000,000.00


Max Loan to Value Ration (LVR)
80%

Max LVR with Mortgage Insurance
80%


Features
Extra Repayments


Loan is Transferable (Portable)


Transfer Fee
$0

Mortgage Offset Available


Mortgage Offset 100%


Mortgage Offset Rate
0%

Redraw Available


Min Redraw Amount
$0

Max Redraw Amount
$0

Redraw Fee
$0

Redraw Notice Period

Redraw Method

Redraw Notes & Comments

Split Account
Split Available


Max No. of Accounts for Split
4

Separate Statements for Split


Statement Frequency
2

Fixed Option


Fee for Fixing
$395.00


Fees
Application Fee
$0

Legal Fee
$0

Valuation Fee
$0

Settlement Fee
$0

Service Fee
$0

Exit Fee
$0

Early Termination Fee

Not applicable to Variable or Fixed Rate Loans.


Break Costs

Economic break cost applies


General Fee Notes:

A fixed rate fee of $395 applies to fixed rate loans
General Notes:

A fixed rate fee of $395 applies to fixed rate