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Home loans
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Neat variable home loan
Take it back to basics
Get a home loan with low variable rates and no annual fee.
from
6.09
%
p.a.
6.11
%
p.a.
Comparison rate1
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Why our Neat variable home loan
What's a Neat variable home loan?
Our Neat variable home loans are perfect if you’re looking for a loan with no frills and no fuss. Whether you’re buying a home or investing, you’ll get low variable rates and no annual fee, as well as unlimited additional payments that you can redraw whenever you like.
What’s in it for you
No annual fee
That’s right, none!
Redraw freely
It’s free to redraw additional payments when you need them
Pay off your loan faster
Make as many additional payments as you like free of charge
Apply from home
Skip the never-ending paperwork with our simple digital application
Variable Principal and interest (P&I)
Variable
Principal and interest (P&I)
Up to 60%
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Up to 70%
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Up to 80%
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Up to 85%
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Neat standard variable rate
Standard base rate referenced in our loan contracts
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Variable Principal and interest (P&I)
Variable
Principal and interest (P&I)
Up to 60%
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Up to 70%
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Up to 80%
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Neat standard variable investment rate
Standard base rate referenced in our loan contracts
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Variable Interest only (IO)
Up to 60%
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Up to 70%
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Up to 80%
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Neat standard variable investment interest only rate
Standard base rate referenced in our loan contracts
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Fees
Here's what you'll pay
These are the fees you’ll pay with our Flex fixed home loan. Depending on how you use your loan, you may have to pay other fees and charges.
Fees
Charges
Loan advance fee
To prepare your loan documents and arrange settlement of the loan.
$250
Valuation fee
We’ll cover the first valuation up to $360.
Free
up to $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
Ready to apply?
Apply online for a loan
Get a loan without stepping a foot out of home
See if we’re a good fit
Check you’re eligible for a ubank home loan
Apply without the paperwork
Complete our online application or talk with a lending specialist
Get a decision fast
If your application hits the mark, we’ll let you know you’ve been approved
Accept your offer and relax
Review and accept your loan documents online, then wait for settlement
Compare our home loans
See how this loan compares
Redraw
Take back any additional payments at no extra cost
Additional payments
Pay back more than your minimum repayments for free
Split option
You can split your loan with a fixed rate and a variable rate
Offset account(s)
Reduce the amount of interest you pay each month with multiple offset accounts
Annual fee
To manage accounts and any changes across up to 5 Flex split loans
Neat variable
Take it back to basics with no annual fee and low variable rates
$0
Flex variable
Pay off your loan faster with 100% interest offset on your linked ubank accounts
$250 p.a.
Compare all our interest rates and fees
Let's pass the mic to our lawyer
Read our Home Loan Terms.
Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements.
Home loan information and interest rates 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.
For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet.
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.
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