As of 18 September 2026, the ubank Neat - OO Variable P&I's variable owner-occupier P&I variant has a comparison rate of 6.16% (6.14% advertised), ranking 16th of 107 variable owner-occupier P&I loans and sitting 0.60 points below the market average of 6.76%. The product comes in 5 variants; the others are other LVR bands.
6.16%comparison rate p.a.
6.14% advertised · Variable · P&I · Owner-occupier · 70–80% LVR
4 other variants: other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR- Neat - OO Variable P&I · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.11% comparison · 6.09% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.11% comparison · 6.09% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.16% comparison · 6.14% advertised
- Variable · P&I · Owner-occupier · 80–85% LVR
- 6.71% comparison · 6.69% advertised
- Variable · P&I · Owner-occupier · 85–90% LVR
- 7.01% comparison · 6.99% 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 (owner occupied, principal and interest loan).