Neat home loan - variable

Our low ongoing variable rate, no ongoing fees, with the ability to make additional repayments and redraw.

Variable rates from

5.84% p.a.

Owner occupied
Principal and interest
LVR up to 60%

Comparison rate1

5.86% p.a. 

Great ratesOur low ongoing variable rate

Redraw No minimum amount, no fees

Additional repaymentsUnlimited

Rate Card

Key Fees

  • Loan advance fee
    To prepare loan documents and to arrange settlement of the loan $250
  • Valuation fee
    If under $360 Free
    If over $360 (we’ll cover the first $360) Amount over $360
  • Annual fee
    To manage accounts and any changes across your Neat home loan. $0
  • Discharge fee
    To discharge your property at your request. $300 per property

Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements. Home loan information and interest rates are for new loans only and are subject to change. This information has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information and, if necessary, seek appropriate professional advice. This includes any tax consequences arising from any promotions for investors and customers should seek independent advice on any taxation matters. Home loan information and interest rates are for new loans only and are subject to change.
1Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only.
WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees, terms and conditions apply. All applications for credit are subject to ubank credit approval criteria.
IMPORTANT: For our fixed rate home loans, the variable rate that applies after your fixed rate ends (the revert variable rate) depends on your initial LVR. For fixed rate loans (less than or equal to 80% LVR), the “from” comparison rate shown above is based on a loan with an initial LVR of ≤60%. If your initial LVR is higher than this, the comparison rate will be higher (as your revert variable rate will be higher). For a personalised comparison rate that applies to your proposed loan, see the Key Facts Sheet. For fixed rates where the LVR is greater than 80% but less than 85%, the comparison rate is based on a revert variable rate with the same LVR. Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period.
*Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage.
Target Market Determinations for our products are available here.