The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 60%
The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan up to with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan up to with an LVR below 60%
The details shown below are for an owner occupier taking out a interest only loan up to with an LVR below 70%
The details shown below are for an owner occupier taking out a interest only loan up to with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan up to with an LVR below 60%
The details shown below are for an investor taking out a principal & interest loan up to with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan up to with an LVR below 80%
The details shown below are for an investor taking out a interest only loan up to with an LVR below 60%
The details shown below are for an investor taking out a interest only loan up to with an LVR below 70%
The details shown below are for an investor taking out a interest only loan up to with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 60% | ||
| | Owner Occupier | Principal & Interest | 60%-70% | ||
| | Owner Occupier | Principal & Interest | 70%-80% | ||
| | Owner Occupier | Interest Only | < 60% | ||
| | Owner Occupier | Interest Only | 60%-70% | ||
| | Owner Occupier | Interest Only | 70%-80% | ||
| | Investor | Principal & Interest | < 60% | ||
| | Investor | Principal & Interest | 60%-70% | ||
| | Investor | Principal & Interest | 70%-80% | ||
| | Investor | Interest Only | < 60% | ||
| | Investor | Interest Only | 60%-70% | ||
| | Investor | Interest Only | 70%-80% |
Owner Occupier (Principal & Interest)
LVR < 60%
Loan:
Owner Occupier (Principal & Interest)
LVR 60%-70%
Loan:
Owner Occupier (Principal & Interest)
LVR 70%-80%
Loan:
Owner Occupier (Interest Only)
LVR < 60%
Loan:
Owner Occupier (Interest Only)
LVR 60%-70%
Loan:
Owner Occupier (Interest Only)
LVR 70%-80%
Loan:
Investor (Principal & Interest)
LVR < 60%
Loan:
Investor (Principal & Interest)
LVR 60%-70%
Loan:
Investor (Principal & Interest)
LVR 70%-80%
Loan:
Investor (Interest Only)
LVR < 60%
Loan:
Investor (Interest Only)
LVR 60%-70%
Loan:
Investor (Interest Only)
LVR 70%-80%
Loan:
Ready to lock down a seriously low fixed rate? With fixed interest rates from just 2.15% (2.66% and 2.64% comparison rates*) for 1 and 2 year terms, the Own Home Loan (Fixed) from neobank 86 400 could be just the match for you. The loan even comes with handy features like the 86 400 rate lock function and the ability to open multiple offset accounts!
The 86 400 Own Home Loan (Fixed) comes with some of the lowest rates in the Mozo database, with the 3 year fixed rate of 2.15% (2.62% comparison rate*) for owner occupiers making principal and interest repayments particularly noteworthy.
Owner occupier borrowers looking to fix will also be able to grab a 1 year rate of 2.15% (2.66% comparison rate*), a 2 year rate of 2.24% (2.64% comparison rate*) or a 5 year rate of 2.37% (2.67% comparison rate*).
86 400 hasn’t forgotten about investors either, with the Own Home Loan (Fixed) offering a fixed rate of just 2.39% (2.82% comparison rate*) for 3 years.
Just remember that these rates are based on a maximum LVR (loan-to-value ratio) of 80%, which means you’ll need to come up with a deposit of at least 20%.
Also bear in mind that the comparison rates above assume that you have a maximum LVR of 60% once you revert. However, your revert rate can vary depending on your LVR:
What about features? Well borrowers who are looking to reduce their repayments and interest will be happy to know that 86 400 allows the creation of multiple offset accounts (with either their Pay or Save Accounts), as well as extra repayments (up to $20,000 during the fixed rate period). And if you apply with a loan of more than $250,000 and have it settled between 30 April 2021 and 30 June 2021, 86 400 will treat you to $2,000 in cashback!
86 400 even offers a ‘rate lock’ feature which allows prospective borrowers to lock in a fixed rate (if they’re worried it might go up) for 90 days from the date when the home loan application is submitted. Just bear in mind that there’s a $500 fee to do so.
Speaking of fees, there are a couple that you’ll want to consider before sealing the deal. 86 400 charge a $250 application fee, a $250 annual service fee and while any property valuations that come out under $300 are free, if the valuation if higher than that you’ll need to pay the difference above $300.
Okay, let’s finish things off by talking about 86 400’s application and approval process. At present the Own Home Loan (Fixed) is only available through a broker, but 86 400 have digitised the process for both their customers and brokers to try and ensure that applying for a loan is as simple (and fast) as it can be.
With its fixed low rates (especially for 2 and 3 years) and features like multiple offset accounts and free extra repayments, the Own Home Loan (Fixed) from 86 400 could be a cost-effective option for homeowners looking for some rate certainty on their mortgages and the ability to reduce their interest and repayments.
Like all fixed home loans, the fixed rate will revert to a higher ongoing rate once the fixed period is over, so make sure you have a plan of action (like refinancing) if you’re wanting to avoid a higher rate.
n/a
n/a
n/a
n/a
2.15% (2.66%*)
2.15% (2.64%*)
2.15% (2.62%*)
n/a
2.37% (2.67%*)
n/a
n/a
2.39% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
none
60.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.15% (2.70%*)
2.15% (2.68%*)
2.15% (2.66%*)
n/a
2.37% (2.70%*)
n/a
n/a
2.44% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
60.00%
70.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.15% (2.79%*)
2.15% (2.76%*)
2.15% (2.73%*)
n/a
2.37% (2.76%*)
n/a
n/a
2.54% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
70.00%
80.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.94% (3.18%*)
2.94% (3.18%*)
2.94% (3.18%*)
n/a
3.04% (3.23%*)
n/a
n/a
2.89% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
none
60.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.94% (3.27%*)
2.94% (3.26%*)
2.94% (3.26%*)
n/a
3.04% (3.29%*)
n/a
n/a
2.99% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
60.00%
70.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.94% (3.40%*)
2.94% (3.38%*)
2.94% (3.37%*)
n/a
3.04% (3.38%*)
n/a
n/a
3.14% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
70.00%
80.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.39% (2.86%*)
2.39% (2.84%*)
2.39% (2.82%*)
n/a
2.84% (2.97%*)
n/a
n/a
2.59% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
none
60.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.39% (2.95%*)
2.39% (2.92%*)
2.39% (2.90%*)
n/a
2.84% (3.03%*)
n/a
n/a
2.69% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
60.00%
70.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.39% (3.04%*)
2.39% (3.01%*)
2.39% (2.97%*)
n/a
2.84% (3.09%*)
n/a
n/a
2.79% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
70.00%
80.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.59% (2.87%*)
2.59% (2.86%*)
2.59% (2.85%*)
n/a
3.04% (3.01%*)
n/a
n/a
2.99% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
none
60.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.59% (3.23%*)
2.59% (3.20%*)
2.59% (3.17%*)
n/a
3.04% (3.29%*)
n/a
n/a
2.99% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
60.00%
70.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
n/a
n/a
n/a
n/a
2.59% (3.32%*)
2.59% (3.28%*)
2.59% (3.24%*)
n/a
3.04% (3.35%*)
n/a
n/a
3.09% p.a.
$0.00
$0.00
$0.00
$250.00
n/a
$250.00 yearly
$0.00
none
none
70.00%
80.00%
Weekly, Fortnightly, Monthly
yes - free up to $20,000 per fixed rate term
no
yes - free
none
yes
yes
If the valuation is over $300, 86 400 will cover the first $300.
none
$2,000 cashback for eligible home loans of at least $250,000 with applications received by 30 April 2021 and settled before 30 June 2021.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
This product is not currently reviewed.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% p.a.
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
Homestar
Star Classic Fixed Home Loan
n/a
n/a
People's Choice Credit Union
Fixed Rate Home Loan (Package)
1.89% p.a.
fixed 3 years
3.03% p.a.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
