Own home loan

$2,000 cashback offer!

Get $2,000 cashback on settlement for eligible applications of $250,000 or more, received by 30 June 2020 and settled by 31 August 2020.

T&Cs apply#

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

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

Living in the property

  Variable rate loans Fixed rate loans
Principal and interest
2.74% p.a. **
3.02% p.a.
comparison rate1
2.29% p.a.3 year fixed
2.98% p.a.comparison rate1
Interest only
3.34% p.a. **
3.21% p.a.
comparison rate1
3.04% p.a.3 year fixed
3.15% 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
3.09% p.a. **
3.36% p.a.
comparison rate1
2.49% p.a.3 year fixed
3.29% p.a.
comparison rate1
Interest only
3.44% p.a. **
3.47% p.a.
comparison rate1
2.69% p.a.3 year fixed
3.32% 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.

**Founders club offer. Available for a limited time. Applications must be received by 30 June 2020 to receive an extra 0.10%p.a. off their variable rate for the life of the loan. This means the margin applied to applicable loans will be -1.36%p.a. (increased from -1.26%) for the life of the loan against the applicable variable base rate.

# For home loan applications received between 4 May 2020 and 30 June 2020, with loan settled by 31 August 2020. $250K minimum loan amount. 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.

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.