Home loans > Own home loan

All the options to put you in control




Get a head start with $2,000 cashback#

For 86 400 Own Home loan applications received by 31 May 2021 with loans settled by 31 July 2021. Minimum loan amount of $250,000. Cashback paid within 14 days of settlement.

T&Cs apply.

Our Own home loan gives you options

Whether you want to lock in a rate, get the flexibility of offset, or both!

Own Variable loans

  • 100% interest offset on multiple Pay and Save accounts
  • Unlimited additional repayments
  • Redraw available – Lets you access any extra loan repayments you’ve made
Rates from 2.39% p.a. owner occupied, principal and interest ≤60% LVR
Comparison rate 2.68% p.a.1

Own Fixed loans

  • Make up to $20,000 additional repayments per fixed term
  • Redraw available – Lets you access any extra loan repayments you’ve made
  • Choose to rate lock for 90 days (fee applies)
Rates from 2.15% p.a. 2-year fixed loan, owner occupied, principal and interest
Comparison rate 2.64% p.a.1

Ready to apply or need help? Talk to us today.

Our interest rates



Fixed - Principal and interest

Term
Interest rate (p.a.)
Comparison rate (p.a.)1
1-year fixed 2.15% 2.66%
2-year fixed 2.15% 2.64%
3-year fixed 2.15% 2.62%
5-year fixed 2.37% 2.67%

Fixed - Interest only

Term
Interest rate (p.a.)
Comparison rate (p.a.)1
1-year fixed 2.94% 2.72%
2-year fixed 2.94% 2.75%
3-year fixed 2.94% 2.79%
5-year fixed 3.04% 2.88%

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest rate (p.a.)
Comparison rate (p.a.)1
LVR ≤ 60% 2.39% 2.68%
LVR ≤ 70% 2.44% 2.73%
LVR ≤ 80% 2.54% 2.82%
Own variable rate
This is the standard base rate referenced in our loan contracts
3.90% 4.16%

Variable - Interest only

Loan to Value Ratio (LVR)
Interest rate (p.a.)
Comparison rate (p.a.)1
LVR ≤ 60% 2.89% 2.83%
LVR ≤ 70% 2.99% 2.90%
LVR ≤ 80% 3.14% 3.01%
Own variable interest only rate
This is the standard base rate referenced in our loan contracts
4.50% 4.37%

Fixed - Principal and interest

Term
Interest rate (p.a.)
Comparison rate (p.a.)1
1-year fixed 2.39% 2.86%
2-year fixed 2.39% 2.84%
3-year fixed 2.39% 2.82%
5-year fixed 2.84% 2.97%

Fixed - Interest only

Term
Interest rate (p.a.)
Comparison rate (p.a.)1
1-year fixed 2.59% 2.87%
2-year fixed 2.59% 2.86%
3-year fixed 2.59% 2.85%
5-year fixed 3.04% 3.01%

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest rate (p.a.)
Comparison rate (p.a.)1
LVR ≤ 60% 2.59% 2.87%
LVR ≤ 70% 2.69% 2.97%
LVR ≤ 80% 2.79% 3.07%
Own variable investment rate
This is the standard base rate referenced in our loan contracts
4.15% 4.41%

Variable - Interest only

Loan to Value Ratio (LVR)
Interest rate (p.a.)
Comparison rate (p.a.)1
LVR ≤ 60% 2.99% 2.99%
LVR ≤ 70% 2.99% 3.05%
LVR ≤ 80% 3.09% 3.15%
Own variable investment interest only rate
This is the standard base rate referenced in our loan contracts
4.60% 4.56%

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

Want to take it back to basics?

Check out our Neat home loan

Own 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 
Rate lock fee (optional)
To lock in the annual percentage rate for 90 days from the application date. Fixed rate loans only.
$500
Annual fee
To manage the account and process any requested variations to the loan
$250 per year (after year 1)
Covers up to 5 Own home loans

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.

#For 86 400 Own home loan applications received by 31 May 2021 with loan settled by 31 July 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.