As of 18 September 2026, the ubank Neat - INV Variable P&I's variable investor P&I variant has a comparison rate of 6.21% (6.19% advertised), ranking 2nd of 81 variable investor P&I loans. The product comes in 5 variants; the others are investor and other LVR bands.
6.21%comparison rate p.a.
6.19% advertised · Variable · P&I · Investor · ≤60% LVR
4 other variants: investor and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Investor · ≤60% LVR- Neat - INV Variable P&I · Variable · P&I · Investor
- RBA cash rate
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Investor · ≤60% LVR
- 6.21% comparison · 6.19% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.26% comparison · 6.24% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.31% comparison · 6.29% advertised
- Variable · P&I · Investor · 80–85% LVR
- 7.06% comparison · 7.04% advertised
- Variable · P&I · Investor · 85–90% LVR
- 7.16% comparison · 7.14% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $300
- Redraw fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $80,000
- Maximum loan
- $5,000,000
About this product
A low variable rate home loan with no ongoing annual fees. Great if you don't need an offset account (investment, principal and interest loan).