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.
$2,000 cashback# Get $2,000 cashback on settlement to get a head start
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.
| 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 |
| Redraw |
 |
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| Offset |
 |
100% interest offset |
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Additional repayments |
Unlimited
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Unlimited
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Up to $20,000 during fixed rate period |
| Ongoing fees | None | $250 p.a. | $250 p.a. |
| Other features | Option to split with Own Fixed | Option to split with Own Variable |
Why choose 86 400?
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Deposits are Government guaranteedUp to $250,000 per customer2 |
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Market leading app to help you manage your moneyDiscover new ways to save |
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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.
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Find out everything there is to know about making changes to your loan, and more.
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Get all the information you need to make a decision about our loans.
#For home loan applications received by 30 November 2020 with loan settled by 31 January 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 Offer may be varied or withdrawn at any time.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.