Home loans

The smart way to buy, invest or refinance

Rates starting from 2.15% p.a. for a 2-year fixed loan, owner occupied, principal and interest (2.64% p.a. comparison rate1).

Australian Mortgage Awards 2020 Fintech Lender of the Year

Great ratesAs a bank, we offer a range of
home loans at great rates.

Simple, digital
application process
Stop wasting time and get a decision faster.

Insights to help you pay
your loan off sooner
With personalised insights we can
help you save.

Ready to apply? Talk to us today.

Home loans, like houses, aren’t one-size fits all.

Find the home loan that’s just right for you.



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Rates Rates from 2.19% p.a. owner occupied, principal and interest, LVR ≤ 60%

2.20% p.a. comparison rate1
Rates from 2.39% p.a. owner occupied, principal and interest, LVR ≤ 60%

2.68% p.a. comparison rate1
Rates from2.15% p.a. 3 year fixed, owner occupied, principal and  interest

2.62% p.a. comparison rate1
100% interest offset
Up to $20,000 during fixed rate period
Ongoing fees None $250 p.a. $250 p.a.
$2,000 cashback#
$2,000 cashback#
Other features Option to split with Own Fixed Option to split with Own Variable

Why choose 86 400?

Deposits are Government guaranteedUp to $250,000 per customer2
Market leading app to help you manage your moneyDiscover new ways to save
Australian-based call centreHelp is only ever a phone call or email away

And we’re backed by Cuscal, Australia’s largest independent payments company

Find out more about 86 400

Ready to apply or need help? Talk to us today.

Already got a loan with us?

Find out everything there is to know about making changes to your loan, and more.

See how we can help you

Get all the information you need to make a decision about our loans.

#For 86 400 Own home loan applications received by 30 April 2021 with loan settled by 30 June 2021. Minimum loan amount of $250,000. Limited to 1 cashback per primary borrower regardless of the number of loans. Offer may be varied or withdrawn at any time. The cashback will be paid into an 86 400 Pay account within 14 days of settlement.

*Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage.

1 Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only. Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Where the loan reverts to a variable rate after the fixed period, the comparison rate is based on an LVR of equal to or less than 60%.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees, terms and conditions apply. All applications for credit are subject to 86 400 credit approval criteria.

2. Our deposits are guaranteed up to $250,000 per customer by the Australian Government’s Financial Claims Scheme.

Credit criteria, fees and charges apply. Based on 86 400’s credit criteria, residential lending is not available for non-Australian resident borrowers. This information has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information and, if necessary, seek appropriate professional advice. This includes any tax consequences arising from any promotions for investors and customers should seek independent advice on any taxation matters.