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Home loan · Variable

Neat Variable

Loan for
Repayments
Deposit

6.41%comparison rate p.a. · 6.39% advertised

Variable · P&I · Owner-occupier · 70–80% LVR

36th of 91 variable owner-occupier P&I loans

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Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Offset account
No
Redraw
Yes
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$300
Compare all 311 home loans

Variable · P&I · Owner-occupier · ≤60% LVR
6.36% comparison · 6.34% advertised
Variable · P&I · Owner-occupier · 60–70% LVR
6.36% comparison · 6.34% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
6.41% comparison · 6.39% advertised
Variable · P&I · Owner-occupier · 80–85% LVR
6.96% comparison · 6.94% advertised
Variable · P&I · Owner-occupier · 85–90% LVR
7.26% comparison · 7.24% advertised
Variable · P&I · Investor · ≤60% LVR
6.46% comparison · 6.44% advertised
Variable · P&I · Investor · 60–70% LVR
6.51% comparison · 6.49% advertised
Variable · P&I · Investor · 70–80% LVR
6.56% comparison · 6.54% advertised
Variable · P&I · Investor · 80–85% LVR
7.31% comparison · 7.29% advertised
Variable · P&I · Investor · 85–90% LVR
7.41% comparison · 7.39% advertised
Variable · Interest Only · Investor · ≤60% LVR
6.55% comparison · 6.65% advertised
Variable · Interest Only · Investor · 60–70% LVR
6.60% comparison · 6.69% advertised
Variable · Interest Only · Investor · 70–80% LVR
6.65% comparison · 6.74% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$300
Redraw fee
None

Offset account
No
Redraw
Yes
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$80,000
Maximum loan
$5,000,000

  • Neat Variable · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00AugSepToday6.41% p.a. today
  1. Neat - OO Variable P&I5 variants up 0.259 days after the RBA rise to 4.60%
    All Variable · P&I · Owner-occupier
    ≤60% LVR6.116.36+0.25
    60–70% LVR6.116.36+0.25
    70–80% LVR6.166.41+0.25
    80–85% LVR6.716.96+0.25
    85–90% LVR7.017.26+0.25
    +0.25
  2. Neat - INV Variable P&I5 variants up 0.259 days after the RBA rise to 4.60%
    All Variable · P&I · Investor
    ≤60% LVR6.216.46+0.25
    60–70% LVR6.266.51+0.25
    70–80% LVR6.316.56+0.25
    80–85% LVR7.067.31+0.25
    85–90% LVR7.167.41+0.25
    +0.25
  3. Neat - INV Variable IO3 variants up 0.259 days after the RBA rise to 4.60%
    All Variable · Interest Only · Investor
    ≤60% LVR6.306.55+0.25
    60–70% LVR6.356.60+0.25
    70–80% LVR6.406.65+0.25
    +0.25

Tracked since 12 September 2026. Our own corrections of a misread figure aren't shown.

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).

Also from ubank: Flex Fixed 6.62% · Flex Variable 6.63%

As of 15 October 2026, the ubank Neat Variable's variable owner-occupier P&I variant has a comparison rate of 6.41% (6.39% advertised), ranking 36th of 91 variable owner-occupier P&I loans and sitting 0.13 points below the market average of 6.54%. The product comes in 13 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.