No ongoing fees



Access your additional payments if you need them

Unlimited additional repayments

Pay 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%



LVR ≤ 70%



LVR ≤ 80%



LVR ≤ 85%



Neat variable rate
This is the standard base rate referenced in our loan contracts




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


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Neat home loan rates and fees

Loan advance fee
To prepare loan documents and to arrange settlement of the loan


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


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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.

Home loan information and interest rates are for new loans only and are subject to change.

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.

Target Market Determinations for our products are available here.