Important disclosure
RateCity Says: A straightforward home loan with a low variable rate, unlimited extra repayments with redraw, and no ongoing fees.

3.64
% p.a
Variable
3.66
% p.a
$1,524
based on $300,000 loan amount for 25 years at 3.64%
Calculate your repayments for this loan
Your estimated repayment
$1,524
based on $300,000 loan amount for 25 years at 3.64%
Quick home loan review
For Neat Variable Home Loan (Principal and Interest) (LVR < 60%)
These are the benefits of this home loan.
- Interest rates ranked in the best 20%
- Extra repayments and redraw facility
- Free redraw facility
These are the drawbacks of this home loan.
- No offset account
- Ongoing fee
- Higher than average upfront fee
- Maximum loan amount is limited to 60% of the property's value
- No repayment holidays
Home loan overview
For Neat Variable Home Loan (Principal and Interest) (LVR < 60%)
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 60% | Total Repayments $457,200 |
Interest rate type Variable | |
Borrowing range
$100k
-
$100m
| Suitable for Owner Occupiers |
Loan term range 1 - 30 years | Principal & interest |
Interest only | Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Features
Extra repayments Unlimited extra repayments | Offset account No |
Redraw facility Redraw fee: $0 | Split interest facility |
Loan portable | Repayment holiday available |
Allow guarantors | Available for first home buyers |
Fees
Total estimated upfront fees 250 | Application fee 250 |
Legal fee $0 | Valuation fee $0 |
Settlement fee 0 | Other upfront fee 0 |
Ongoing fee $250 annually | Discharge fee 0 |
Application method
Online | Phone |
Broker | In branch |
Target Market Determination
Visit ubank to view Target Market Determination.
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