What to look for There are a few signs the email you received may not be legitimate, including: Sender address - This might be unusual, misspelled or slightly different from the correct address, for example uBank. Remember, criminals can use spell check too. Creating a sense of urgency - Phishing emails will often encourage you to click a link or download an attachment to avoid a problem to create a sense of urgency.
Always read an email carefully before taking any action. Suspicious links and fake websites - If you receive an email with a suspicious link, hover over the link with your mouse to see the actual web address the link leads to — it could lead to a fake website.
Malicious attachment - Often an attachment will appear to be a PDF, image or Office file, but when you try to open the document, it tries to run a program or script intended to infect your computer with malicious software. Urgency — Requests that are positioned as extremely urgent and need your immediate action outside what is expected. What are scams?
There are many types of scams Investment scams - Australians lose millions to investment scams every year. Individuals or businesses receive a cold call and are offered attractive investment returns or professional-sounding business opportunities. Once the investment is made, the victim usually receives no returns. Often this escalates into requests for more money.
The downside is criminals have become clever at taking advantage of people looking for love. If you do this, they can access all the information on your computer. You should never give an unsolicited caller access to your computer. What to look for Usually, in a phishing phone call: The caller says they are from a bank, a large service provider like the NBN, ATO or a phone company.
They may ask for SMS codes, or get you to process a transaction or download software so that they can remotely access your computer. Security alerts Be on the look-out for suspicious messages. January Mobile phone porting UBank is aware of mobile phone porting attempts targeting Australians. How to protect yourself Be on the lookout for suspicious emails, text messages and calls requesting personal and banking information. UBank will never ask you to confirm, update or disclose personal or banking information via a link in an email or text message.
Turn on two-factor authentication for your UBank accounts, and ask your mobile provider if you can do the same for your mobile phone account. This means another piece of information such as a password, or code sent to you via SMS is required before certain actions can be taken.
Ensure you have a locked padlock on your letterbox, and shred any documents such as bank statements before disposing of them. Tips to stay protected online. Be on the lookout for suspicious emails, text messages and calls requesting personal and banking information.
If you call UBank, we may send you an identification verification SMS; the message will state that this is the only code we will ask you to provide to us. Ensure to read the whole message to ensure the action being requested matches what you were trying to do. Use a unique password for each of your online accounts. Make passwords hard to guess. Your password should: be at least 7 characters long begin with a letter include at least 1 number not include your first name, last name, birth date or email address Turn on two-factor authentication for your UBank accounts and ask your mobile provider if you can do the same for your mobile phone account.
Please refer to UBank for their most up-to-date document requirements. Talk to one of our mortgage brokers by calling us on or complete our free assessment form. Expert Mortgage Broker Otto Dargan reviews each bank and non-bank lender.
How do their home loans compare? Are they right for you? Advantedge was once a major wholesale funder under the name Challenger and Interstar.
Now owned by NAB, are they still a real alternative to a major bank? AMP is a smaller bank that is well known for their superannuation and investments. Can they compete with the major banks for home loans?
But what are they like with commercial property loans and business loans? Athena is an online-only home loan provider with almost no fees and automatic rate matching. How do they compare with other online lenders and banks? But are they right for you? Find out if they are right for you!
Australian Mortgage Marketplace AMM is utilising blockchain mortgage technology to provide cheaper and faster home loans. How do they rate as a lender? Australian Unity Bank focuses on its members, customers and community by providing personalised services.
But how do their home loans compare to lenders? Auswide Bank formerly Wide Bay Australia is a small bank with big aspirations. As the largest credit union in Australia, Bank Australia offers simple mortgage products and specialises in limited recourse loans for SMSF borrowers. Bank of China Australia is the only Chinese bank in Australia to hold a full banking license.
How does their home loan compare? Bank of Melbourne is a relatively new bank combining local expertise with the strength of Westpac. Are their home loans competitive? BOQ is quite unique in that it operates as a franchise! How do their home loans compare and why are they so popular with mortgage brokers? Backed by Lebanon's biggest bank, Bank of Sydney has grown rapidly since but how do their home loans compare to other non-banks?
But how do their home loans compare? BankWest has the service of a small bank combined with the strength of CBA.
BankWest was once an aggressive commercial property and business lender. How do their loans compare now? Better Choice is one of the leading and most innovative Mortgage Lenders in Australia.
Their wide range of products cater to all types of borrowers. But are their home loans right for you? Beyond Bank offers flexible home loans that give you more control but the interest rate and fees aren't cheap.
How do they compare to other lenders? Bluebay Home Loans is a non-bank lender aiming to be the go-to alternative to major banks. Find out how their home loans compare. Bluestone Mortgages is a specialist lender with a range of self-employed, low doc and bad credit home loans.
BNK Banking is one of Australia's up and coming digital challenger bank. Brighten Home Loans is best known for their non-resident and expat home loan products. Are their home loans right for you? But how do their home loans really compare? ChoiceLend offers low-cost home loan solutions and they're backed by the National Australia Bank NAB but what if you have an unusual financial situation? Completely online with an easy application process.
Sounds amazing but how does Click Loans stack up with lenders and non-banks in terms of mortgage policy? Will they or won't they? Coles Financial Services has already come out with personal loans and credit cards but are Coles home loans just around the corner? Connective Home Loans is a non-bank lender owned by a large mortgage broking group.
UBank are very competitive in interest rates. Have been very happy with them as a lender. They could improve by offering offset accounts to the home loan. We have been sent in circles for 3 months for a refinance. Resubmitted the same documents several times, customer service is disgusting. Would never recommend! Have now made 2 requests for details to lodge a formal complaint, but have not been forthcoming. The best interest rates. Such a simple application process, great communication the whole way through.
App is super easy to use. They have passed on many interest rate cuts. Good rates all looks good but once they have you, not much help! Can't even get a home loan account statement online to go somewhere else. Three months work refinancing I thought all was good, go to sign paperwork only to find the amount wasn't what was asked for, nor was I told why or how to improve the problem. Cant wait to go! Mozo may receive a payment from financial providers listed on the site.
Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. You do not pay any extra for using our service. We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
You can easily change the sort order of the products displayed on the page. Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website.
These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. The bonus interest is really good as well. Interest rate is better than most banks, while there is a requirement to transfer a minimum amount each month to access the higher interest rate, there is no requirement to keep it there.
Easy sign up and website. I would like to be able to do more on the weekend. After waiting a long time to speak with them on the phone, they said I should verify my I. They told me to go on a Aus Post to verify there and after they receive the verification I would get access. Ombudsman is being contacted now to take legal actions. I am very happy with the interest rates offered and the quick, friendly customer service. The interface is basic, and could use some improving, but that is not the reason I am banking with them and it is perfectly efficient.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.
Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.
Intro bonus rate of 1. Make at least 1 deposit and no more than 1 withdrawal, including internal transfers or external payments. Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings.
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. You do not pay any extra for using our service. We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not. You can easily change the sort order of the products displayed on the page.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website.
Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product. Overall rating.
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