Home loans

Our home loans put you on the financial fast track.

2-year fixed rates starting from 1.99% p.a. for owner occupied, principal and interest ≤80% LVR (2.53% p.a. comparison rate1).

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Great ratesAs a bank, we offer a range of home loans with great rates.
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Easy to apply Get a decision faster with our simple, digital application process.

Market leading appInsights to help you pay your loan off sooner and manage your money.

COVID-19 support

If you’re an 86 400 home loan customer who is currently experiencing financial hardship due to the recent lockdown restrictions in your state or city, please contact us on 1300 086 400 as soon as you can and we’ll try to come up with a solution to reduce the stress and help you get back on your feet again.

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Our home loans

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

Neat home loan

Take it back to basics with our lowest variable rates.

  • No ongoing fees
  • Access your additional payments with redraw
Variable rates from 2.09% p.a. owner occupied, principal and interest ≤60% LVR
Comparison rate 2.10% p.a.1

Own home loan

All the options to put you in control

  • Fixed and variable rate options available
  • 100% interest offset on variable loans
  • Access your additional payments with redraw
Variable rates from 2.29% p.a. owner occupied, principal and interest,
≤60% LVR
Comparison rate 2.58% p.a.1
Fixed rates from 1.84% p.a. 1-year fixed, owner occupied, principal and interest ≤80% LVR
Comparison rate 2.54% p.a.1

Wondering which loan is best for you?




Rate options available Fixed
Split (fixed & variable)
No splits
RedrawLets you access any extra loan repayments you’ve made.
Offset account(s)Reduces the amount of interest you pay each month

Variable loans only
Make additional repaymentsOwn your property sooner
Ongoing fees $250 p.a. None
Learn more Learn more

Why get a home loan with us?


Take the guesswork out of your applicationKnow where you stand with electronically verified income and expenses
Deposits are Government guaranteedUp to $250,000 per customer2
Australian-based call centreHelp is only ever a phone call or email away


How much could refinancing save you?

We’ll crunch the numbers to see how your current loan stacks up against our home loans.
To keep things simple – we compare principal and interest payments. The below will calculate a savings estimate that you could achieve through refinancing with 86 400.

Already have 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.

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.

1 Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. For fixed rates where the LVR is equal to or less than 80%, the comparison rate is based on a revert variable rate with an LVR of 60%. For fixed rates where the LVR is greater than 80% but less than 85%, the comparison rate is based on a revert variable rate with the same LVR. 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. 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.

*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.

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

Target Market Determinations for our products are available here.