No ongoing feesNone!
RedrawAccess your additional payments if you need them.
Unlimited additional repaymentsPay off your loan sooner.
Our interest rates
The more you’ve paid down, the lower your rate (based on LVR at approval).
Paying Principal and Interest
|
Loan to Value Ratio (LVR) |
Interest rate (p.a.) |
Comparison rate (p.a.)1 |
|---|---|---|
| LVR ≤ 60% | 2.19% | 2.20% |
| LVR ≤ 70% | 2.29% | 2.30% |
| LVR ≤ 80% | 2.34% | 2.35% |
|
Neat variable rate This is the standard base rate referenced in our loan contracts |
3.75% | 3.77% |
Paying Principal and Interest
|
Loan to Value Ratio (LVR) |
Interest rate (p.a.) |
Comparison rate (p.a.)1 |
|---|---|---|
| LVR ≤ 60% | 2.44% | 2.45% |
| LVR ≤ 70% | 2.54% | 2.55% |
| LVR ≤ 80% | 2.64% | 2.65% |
|
Neat variable investment rate This is the standard base rate referenced in our loan contracts |
4.00% | 4.02% |
Paying interest only
|
Loan to Value Ratio (LVR) |
Interest rate (p.a.) |
Comparison rate (p.a.)1 |
|---|---|---|
| LVR ≤ 60% | 2.84% | 2.60% |
| LVR ≤ 70% | 2.84% | 2.66% |
| LVR ≤ 80% | 2.94% | 2.76% |
|
Neat variable investment interest only rate This is the standard base rate referenced in our loan contracts |
4.45% | 4.19% |
Get all the information you need to make a decision about our loans.
Want more options?
Check out our Own home loan
Neat home loan rates and fees
|
Loan
advance fee To prepare loan documents and to arrange settlement of the loan |
$250 |
|---|---|
|
Valuation fee To cover the valuation of your property |
Free if valuation is under $300 If the valuation is over $300, we'll cover the first $300 |
Ready to apply or need help? Talk to us today.
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.
*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.