Neat home loan - Variable

Our lowest variable rate. And no ongoing fees – none!

Rates starting from 2.19% p.a. for owner occupied, principal and interest ≤60% LVR (2.20% p.a. comparison rate1).



Australian Mortgage Awards 2020 Fintech Lender of the Year

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).

Living in the property


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%

Want more flexibility?

Check out our Own fixed or variable loans

Investment properties


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 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 rate
This is the standard base rate referenced in our loan contracts
4.45% 4.19%

Key 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.

#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 Offer may be varied or withdrawn at any time.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.

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.