Neat - INV Variable IO
A low variable rate home loan with no ongoing annual fees. Great if you don't need an offset account (investment, interest only loan).
- From (investment)
- 6.4%
- 6.3% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Investment with interest only repayments. Investment home loans with a loan to value ratio (LVR) or less than or equal to 60% at time of application. | 6.4% | 6.3% | LVR 0% to 60% |
| Variable Investment with interest only repayments. Investment home loans with a loan to value ratio (LVR) or less than or equal to 70% at time of application. | 6.44% | 6.35% | LVR 60.01% to 70% |
| Variable Investment with interest only repayments. Investment home loans with a loan to value ratio (LVR) or less than or equal to 80% at time of application. | 6.49% | 6.4% | LVR 70.01% to 80% |
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.
- Real-time payments (NPP)
- Redraw facility
Eligibility
- Employment status — Applicants must be a PAYG employee.Applicants must be a PAYG employee.
- Minimum age — 18 yearsApplicants 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 — $5,000,000.00Maximum loan amount is $5,000,000.00
- Maximum LVR — 8000%
- Minimum limit — $80,000.00Minimum loan amount is $80,000.00
More Information
Published by UBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 13 · View on CDR.gov.au