Here’s all our cards on the table
We’ve put together all the rates and fees for each of our home loans. If any of the following terms sound foreign to you, we’ve got a breakdown of some of the home loan lingo.
Neat variable home loan rates
Take it back to basics with no annual fee and a low variable rate.
VariablePrincipal and interest (P&I)
| Loan to value ratio (LVR) | Interest rate p.a. | Comparison rate p.a. 1 |
|---|---|---|
Up to 60% | 6.09% | 6.11% |
Up to 70% | 6.14% | 6.16% |
Up to 80% | 6.14% | 6.16% |
Up to 85% | 6.64% | 6.66% |
Neat standard
variable rate Standard base rate referenced in our loan contracts | 8.00% | 8.02% |
Flex variable home loan rates
Get variable rates with lots of options and 100% interest offset with multiple Spend, Bills and Save accounts.
VariablePrincipal and interest (P&I)
| Loan to value ratio (LVR) | Interest rate p.a. | Comparison rate p.a. 1 |
|---|---|---|
Up to 60% | 6.09% | 6.33% |
Up to 70% | 6.14% | 6.38% |
Up to 80% | 6.14% | 6.38% |
Up to 85% | 6.64% | 6.88% |
Flex standard
variable rate Standard base rate referenced in our loan contracts | 8.15% | 8.37% |
VariableInterest only (IO)
| Loan to value ratio (LVR) | Interest rate p.a. | Comparison rate p.a. 1 |
|---|---|---|
Up to 60% | 6.54% | 6.51% |
Up to 70% | 6.64% | 6.58% |
Up to 80% | 6.64% | 6.58% |
Flex Standard Variable Interest Only Rate Standard base rate referenced in our loan contracts | 8.75% | 8.64% |
Flex fixed home loan rates
Avoid the unexpected by fixing your rate for up to 5 years.
FixedPrincipal and interest (P&I) with a
| Term | Interest rate p.a. | Comparison rate p.a. 1 |
|---|---|---|
1 year | 5.99% | 6.32% |
2 year | 5.79% | 6.27% |
3 year | 5.79% | 6.25% |
5 year | 5.79% | 6.20% |
FixedInterest only (IO) with a
| Term | Interest rate p.a. | Comparison rate p.a. 1 |
|---|---|---|
1 year | 6.39% | 6.36% |
2 year | 6.19% | 6.34% |
3 year | 6.19% | 6.35% |
5 year | 6.19% | 6.36% |
Do you have a UHomeLoan?
Ready to apply?
Our key home loan fees
Here are some of the key fees you might pay with each loan. Depending on how you use your loan, you may have to pay other fees and charges.
| Neat variable | Flex variable | Flex fixed | |
|---|---|---|---|
Loan advance fee
To prepare your loan documents and arrange settlement of the loan. | $250 | $250 | $250 |
Valuation fee We’ll cover the first valuation up to $360. | Free up to $360 | Free up to $360 | Free up to $360 |
Annual fee
To manage accounts and any changes to your loan. | $0 | $250 p.a.
Covers up to 5 Flex split loans | $250 p.a.
Covers up to 5 Flex split loans |
Rate lock (optional)
Lock in your fixed rate for 90 days from the application date. | $500 | ||
Discharge fee
To discharge your property at your request. | $300 per property | $300 per property | $300 per property |