Home loans > Rates and fees

Rates and fees

Effective 16 November 2020

Neat home loan

Living in the property


Paying principal and interest

Variable rates

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%

Investment properties


Paying principal and interest

Variable rates

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

Variable rates

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%

Neat home loan - Key fees

Loan advance fee
To prepare loan documents and to arrange settlement of the loan
$250
Valuation feeTo cover the valuation of your property Free if valuation is under $300
If the valuation is over $300, we'll cover the first $300 

Own home loan

Living in the property


Paying principal and interest

Variable rates

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%

Fixed rates

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%


Paying interest only

Variable rates

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 rates

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%

Investment properties


Paying principal and interest

Variable rates

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%

Fixed rates

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%


Paying interest only

Variable rates

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%

Fixed rates

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%

Own home loan - Key fees

Loan advance fee
To prepare loan documents and to arrange settlement of the loan
$250
Valuation feeTo cover the valuation of your property Free if valuation is under $300If the valuation is over $300, we'll cover the first $300 
Annual fee To manage the account and process any requested variations to the loan $250 per yearCovers up to 5 loans
Rate lock fee (optional)To lock in the annual percentage rate for 90 days from the application date. Fixed rate loans only. $500

See how we can help you

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

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

*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.