Own home loan

The smart way to get a home loan

Fast decisionsWe’ll give you a quick response so you know where you stand

Ditch the printerElectronic ID checks, signatures and collection of income and expenses

Great ratesAnd low fees so you’re always one step ahead. View all rates

Living in the property

  Variable rate loans Fixed rate loans
Principal and interest
3.09% p.a.
3.36% p.a.
comparison rate1
2.88% p.a.3 year fixed
3.31% p.a.comparison rate1
Interest only
3.69% p.a.
3.56% p.a.
comparison rate1
3.59% p.a.3 year fixed
3.47% p.a.
comparison rate1
Redraw No minimum amount, no fees No minimum amount, no fees
Additional repayments Unlimited Up to $20,000 during fixed rate period
Other features 100% interest offset

Multiple Pay and Save accounts can be offset against the loan.
Rate lock

Lock in the rate for 90 days from the date the application is submitted.

Investment properties

  Variable rate loans Fixed rate loans
Principal and interest
3.44% p.a.
3.71% p.a.
comparison rate1
3.18% p.a.3 year fixed
3.64% p.a.
comparison rate1
Interest only
3.79% p.a.
3.82% p.a.
comparison rate1
3.38% p.a.3 year fixed
3.68% p.a.
comparison rate1
Redraw No minimum amount, no fees No minimum amount, no fees
Additional repayments Unlimited Up to $20,000 during fixed rate period
Other features 100% interest offset

Multiple Pay and Save accounts can be offset against the loan.
Rate lock

Lock in the rate for 90 days from the date the application is submitted.

How to get a home loan with 86 400

Find a brokerCurrently we only accept applications through an 86 400 accredited broker. We can help you find one.

Visit your brokerYou’ll need to take your ID with you,
as well as the contract of sale
(unless you’re refinancing).

Complete applicationYour broker will enter all the details, verify your identity and ask you to provide your income and expenses electronically.

Sign applicationOnce it’s good to go, you can sign the application and broker interview guide electronically.

Accept loan offer If your application is approved, we’ll email you a link to review and sign your loan documents online.

Await settlement Once everything’s been signed and returned, sit back and relax and we’ll arrange for settlement of your loan!

Already got a loan with us?

Find out everything there is to know about making changes to your loan, and more.

Find out the true cost of our home loans

Arm yourself with all the information you need to make a decision about our loans.

Ready to apply or need help? Talk to one of our friendly brokers today.

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.

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.