---
title: "Neat - INV Variable P&I — UBank"
description: "Home Loans from UBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/ubank/products/12
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-30T14:00:33.5180953Z
---

# Neat - INV Variable P&I — UBank

> Home Loans from UBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

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).

## At a glance

- **From (investment):** 6.19% (6.21% comparison)

## Apply

Applications are handled by the provider: [Apply at UBank](https://www.ubank.com.au/home-loans/get-started)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Investment with principal and interest repayments. Investment home loan with a loan to value ratio (LVR) of less than or equal to 60% at time of application.) | 6.19% | 6.21% | LVR 0% to 60% |
| Variable (Investment with principal and interest repayments. Investment home loans with a loan to value ratio (LVR) or less than or equal to 70% at time of application.) | 6.24% | 6.26% | LVR 60.01% to 70% |
| Variable (Investment with principal and interest repayments. Investment home loans with a loan to value ratio (LVR) or less than or equal to 80% at time of application.) | 6.29% | 6.31% | LVR 70.01% to 80% |
| Variable (Investment with principal and interest repayments. Investment home loans with a loan to value ratio (LVR) of  less than or equal to 85% at time of application.) | 7.04% | 7.06% | LVR 80.01% to 85% |
| Variable (Investment with principal and interest repayments. Investment home loans with a loan to value ratio (LVR) of  less than or equal to 90% at time of application.) | 7.14% | 7.16% | LVR 85.01% to 90% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Loan Advance Fee — To prepare loan documents and to arrange settlement of the loan | Upfront | $250.00 |
| Valuation Fee — First Valuation Fee covered up to $360. Second or further valuations are at cost. | Other | Variable |
| Documentation Fee — To issue a new set of loan documents if your requirements change. | Event | $100.00 |
| Discharge Fee — If we discharge a property (security interest) at your request. Charged per security. | Event | $300.00 |
| Production Fee — If we are required to send a certificate of title to another financial institution. | Event | $110.00 |
| Switch fee — If a Neat home loan is switched to a Flex home loan at your request. | Event | $100.00 |

## Features

- **Digital banking**
- **Extra repayments**
- **Notifications** — Customers can configure notifications for incoming payments, services disruptions and updates, and account access. (Customers can configure notifications for incoming payments, services disruptions and updates, and account access.






)
- **PayID**
- **Redraw facility**

## Eligibility

- **Employment status** — Applicants must be a PAYG employee. (Applicants must be a PAYG employee.)
- **Minimum age** — 18 years (Applicants must be at least 18 years of age.)
- **Individuals only**
- **- Max 2 borrowers.
- Be applying either individually, or jointly with their spouse or de facto partner that they currently live with or intend to live with after settlement in the same household (You won't be able to apply with a sibling or parent).
- Credit criteria, fees and charges apply.
**
- **Residency status** — Be an Australian or New Zealand citizen, or a permanent resident of Australia. (Be an Australian or New Zealand citizen, or a permanent resident of Australia.)

## Constraints

- **Maximum limit** — $5,000,000.00 (Maximum loan amount is $5,000,000.00)
- **Maximum LVR** — 8000%
- **Minimum limit** — $80,000.00 (Minimum loan amount is $80,000.00)

## More information from UBank

- [Overview](https://www.ubank.com.au/home-loans/neat-variable-rate-home-loans)
- [Terms & conditions](https://cms.ubank.com.au/wp-content/uploads/home-loan-terms.pdf)
- [Eligibility](https://www.ubank.com.au/home-loans/home-loan-eligibility)
- [Fees & pricing](https://www.ubank.com.au/home-loans/interest-rates-and-fees)

## Data provenance

- Published by UBank under the Consumer Data Right
- Product ID: `12`
- Last updated by the provider: 30 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ubank/12
- Provider page: https://www.cdrcompare.au/brands/ubank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000178

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ubank/products/12) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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