90% LVR No LMI Home Loan – Owner Occupiers & Investors @ UBank

200
90% LVR No LMI Home Loan – Owner Occupiers & Investors @ UBank
Go to Deal
AssociatedRannar @ Rannar Financial Services on 30/10/2025 - 10:15 ubank.com.au (373 clicks)

Want to buy a home or investment property with just 10% deposit and no LMI? UBank just made it possible!

Deal Highlights:
✅ 90% LVR – No LMI or risk fee
✅ Owner Occupied & Investor P&I loans
✅ Loan terms up to 30 years
✅ Max loan for LVR >85%: $2M
✅ Available from 30th October 2025

Compare Other Cashback Offers and Interest Rates:

ANZ – $2,000 Refi / $3,000 FHB (Min $250K)

ME Bank – $3,000 Refi (Min $700K, per property)

Suncorp – No cashback, sharp fixed rates from 4.79% p.a.

ING – No cashback, sharp fixed rates from 4.89% p.a.

Bank Of China- $2,000 Cashback (for loans ≥ $400k) variable rate from 5.18%

For more information, contact Sach at Rannar Loans:
📧 Email: info@rannar.com.au

📞 Phone: 0479 181 437
🌐 Website: www.rannar.com.au

Sach from Rannar Loans is registered as Credit Representative Number 541742 under Australia's Credit License 384324.

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Comments

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  • ntienvu on 30/10/2025 - 10:18

    what are the rates at ANZ for investment and OO ?

    • AssociatedRannar @ Rannar Financial Services on 30/10/2025 - 10:23

      ANZ’s rates are variable based on pricing; currently, they are offering around 5.30% for owner-occupied loans and approximately 5.55%, depending on the LVR and loan amount.

  • Carrian on 30/10/2025 - 10:26

    6.19% 90% LVR UBank

    • sqheaven on 30/10/2025 - 10:30
      -2

      Not bad

      • swimmingtoad on 30/10/2025 - 12:03
        +4

        Huh? You mean not good

        • cumova on 30/10/2025 - 12:22
          +2

          You do not pay LMI but rate is loaded because of increased risk.

      • nickeveli on 30/10/2025 - 13:27
        +1

        For reference, I know that ANZ’s rate for their 90% no LMI product for professionals (CPA/CFA) is 5.49%.

        • sqheaven on 30/10/2025 - 14:19
          -5

          At least you get into the market

  • RR88 on 30/10/2025 - 10:37
    +1

    RACQ members can potentially get under 5% at the moment…

    • kanu666 on 30/10/2025 - 13:10

      website says 5.14% without offset

      • RR88 on 30/10/2025 - 13:13

        RACQ members get a further discount to the advertised rates - I am on 4.89 or something.

        RACQ Silver and Gold members are eligible to receive a 0.10% p.a. reduction on eligible home loans

        • kanu666 on 30/10/2025 - 19:55

          hm, -0.10% will bring it only to 5.04%
          would be nice to know how you got 4.89 :) Is it with offset?

          • RR88 on 30/10/2025 - 21:11

            @kanu666: i refinanced last year through a broker and had a decent rate to start with, then with the recent rate cuts and the 0.1% discount i got to my sub 5 rate..

  • mooimachicken on 30/10/2025 - 10:39

    How about interest only loans?

  • rawm on 30/10/2025 - 11:25
    +3

    Want to buy a home or investment property with just 10% deposit and no LMI? UBank just made it possible!

    What could possibly go wrong? Nothing says ‘financial stability’ like encouraging people to stretch themselves to the edge of ruin.

    • kanu666 on 30/10/2025 - 12:02
      +1

      How else would you push property prices up?

      • brongz on 30/10/2025 - 12:40
        +1

        More people to come in, let the have buy whatever they want (even if they’re not living in it or in Aus), and mindset that buying properties by foreigners is an investment (not building factories).

        Seems govt also forget that food, clothes, and house are 3 BASIC needs for every human beings. They only remember the first 2 and ignoring the roof over our heads.

        • cumova on 30/10/2025 - 13:08

          Capitalism.

        • Jolakot on 30/10/2025 - 13:42

          To be completely fair, they're not exactly doing a good job on the first 1 either…

  • Dienk on 30/10/2025 - 12:50

    Do I need a broker to access it?

    • samfisher5986 on 30/10/2025 - 13:41

      You never need a broker for the best deals. Brokers limit the best deals.

      • daveybb on 30/10/2025 - 21:41
        +1

        My brokers rate was better than any rate I could find online

    • Save-Earn on 30/10/2025 - 13:42
      +2

      Not a Broker Exclusive deal ! You can also apply directly through the UBank website.

      https://www.ubank.com.au/home-loans/apply/

  • kanu666 on 30/10/2025 - 13:08

    What is the best variable rate for regular OO loan (e.g. 50%LVR and > $500k) with offset?
    Mine with ANZ is 5.19% but i'm wondering if there is anything that can beat it.

    • cumova on 30/10/2025 - 13:09

      Variable OO prob not.

    • Russ on 01/11/2025 - 12:35

      That ANZ 5.19% rate appears to be a honeymoon rate. Does that loan have an annual or monthly fee attached?

      If you want to go for a bank without honeymoon rates, and no annual or monthly fees, consider Up Bank. Their variable rate is currently 5.2%, and includes up to 50 offset accounts with no extra fee.

      Their fixed-rate loans look pretty good too, e.g. 4.95% for two years, and then rolling over to the above variable loan. No offsets though while you're on the fixed-rate loan.

      • kanu666 on 01/11/2025 - 12:41

        Offset costs $10 a month.
        Based on the loan size it is like additional 0.012% :D

        • Russ on 01/11/2025 - 12:42

          In that case UP is cheaper. They're an online-only bank though, no branches, if that makes a difference. UP is a part of Bendigo Bank.

  • Baruarua on 30/10/2025 - 21:33
    +2

    6.19% is not a bargain

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