Neat - OO Variable P&I

UBank's Neat - OO Variable P&I is a home loan. The figures are the ones UBank publishes under the Consumer Data Right today. The advertised rate last moved on 8 October 2026, up from 6.09% to 6.34%.

Advertised rate

6.34%

headline tier

Comparison rate

6.36%

as published

Last moved

+0.25pp

8 October 2026

Advertised rate, last 30 days. Between 6.09% and 6.34% over the last 30 days.

Every current rate (5)

Tier	Rate	Comparison
Variable, Owner occupier, P&I, LVR up to 60%LVR 0% to 60%	6.34%	6.36%
Variable, Owner occupier, P&I, LVR 60 to 70%LVR 60.01% to 70%	6.34%	6.36%
Variable, Owner occupier, P&I, LVR 70 to 80%LVR 70.01% to 80%	6.39%	6.41%
Variable, Owner occupier, P&I, LVR 80 to 85%LVR 80.01% to 85%	6.94%	6.96%
Variable, Owner occupier, P&I, LVR 85 to 90%LVR 85.01% to 90%	7.24%	7.26%

Rate moves, last 30 days

8 October 2026: 5 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR 60 to 70%, from 6.09% to 6.34%.

Published fees

Fee	Amount
Loan Advance Feeupfront: To prepare loan documents and to arrange settlement of the loan.	$250
Valuation Fee: First Valuation Fee covered up to $360.	see lender
Documentation Feewhen it happens: To issue a new set of loan documents if your requirements change.	$100
Discharge Feewhen it happens: If we discharge a property (security interest) at your request.	$300
Production Feewhen it happens: If we are required to send a certificate of title to another financial institution.	$110
Switch feewhen it happens: If a Neat home loan is switched to a Flex home loan at your request.	$100

Other UBank home loans

Flex - Variable OO P&I 6.34%Flex - Variable INV P&I 6.44%Neat - INV Variable P&I 6.44%Flex - Variable INV IO 6.65%Flex - Variable OO IO 6.65%Neat - INV Variable IO 6.65%Flex - Fixed OO P&I 6.74%Flex - Fixed INV P&I 6.79%Flex - Fixed OO IO 6.84%Flex - Fixed INV IO 6.89%

Get an email the morning UBank moves this rate.

Every UBank rate · every home loan rate compared · other lenders · this product in the explorer.