86 400 logo

86 400 Own Home Loan (Fixed)

Advertiser disclosure

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

  • 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:

Fixed 3 year rate
1.99% p.a.
Comparison Rate
2.58% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Go to site
Fixed 3 year rate
1.99% p.a.
Comparison Rate
2.62% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Fixed 3 year rate
1.99% p.a.
Comparison Rate
2.69% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Fixed 3 year rate
2.94% p.a.
Comparison Rate
3.18% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Fixed 3 year rate
2.94% p.a.
Comparison Rate
3.26% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Fixed 3 year rate
2.94% p.a.
Comparison Rate
3.37% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Fixed 3 year rate
2.24% p.a.
Comparison Rate
2.79% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Fixed 3 year rate
2.24% p.a.
Comparison Rate
2.86% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Fixed 3 year rate
2.24% p.a.
Comparison Rate
2.94% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Fixed 3 year rate
2.49% p.a.
Comparison Rate
2.83% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Fixed 3 year rate
2.49% p.a.
Comparison Rate
3.15% p.a.
Service fee
$250.00 yearly
Upfront fee
$250
Fixed 3 year rate
2.49% p.a.
Comparison Rate
3.22% p.a.
Service fee
$250.00 yearly
Upfront fee
$250

Mozo editorial review 86 400 Own Home Loan (Fixed) - last updated: 1 July 2021

binocular icon
What's hot
  • 2 year fixed rates from 1.89% (2.59% comparison rate*) based on LVR
  • Rate lock feature
  • Open multiple offset accounts
What's not
  • $250 application fee
Mozo snapshot

Ready to lock down a seriously low fixed rate? With fixed interest rates from just 1.89% (2.59% comparison rate*) for 2 year terms based on a customer's LVR, 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!

key icon
Key features

The 86 400 Own Home Loan (Fixed) comes with some of the lowest rates in the Mozo database, with the 2 year fixed rate of 1.89% (2.59% comparison rate*) for owner occupiers with an LVR under 60% making principal and interest repayments particularly noteworthy. Plus, those with an LVR lower than 70% or 80% there is a 2 year fixed rate of 1.89% (2.64% comparison rate*) or 1.89% (2.72% comparison rate*), respectively. 

86 400 hasn’t forgotten about investors either, with the Own Home Loan (Fixed) offering a fixed rates from just 2.24% (2.81% comparison rate*) for 2 years for borrowers with an LVR lower than 60%.

Just remember, to apply for this loan you'll need a maximum LVR (loan-to-value ratio) of 80%, which means you’ll have to come up with a deposit of at least 20%.

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 September 2021 and 31 November 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.


snapshot
Who is it good for

With its fixed low rates (especially for 2 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.

question icon
Any catches

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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

1.84% (2.63%*)

1.89% (2.59%*)

1.99% (2.58%*)

n/a

2.50% (2.72%*)

n/a

n/a

2.39% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

none

60.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

1.84% (2.68%*)

1.89% (2.64%*)

1.99% (2.62%*)

n/a

2.50% (2.75%*)

n/a

n/a

2.44% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

60.00%

70.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

1.84% (2.77%*)

1.89% (2.72%*)

1.99% (2.69%*)

n/a

2.50% (2.81%*)

n/a

n/a

2.54% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

70.00%

80.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

none

60.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

60.00%

70.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

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.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

70.00%

80.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.24% (2.84%*)

2.24% (2.81%*)

2.24% (2.79%*)

n/a

2.84% (2.97%*)

n/a

n/a

2.59% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

none

60.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.24% (2.94%*)

2.24% (2.90%*)

2.24% (2.86%*)

n/a

2.84% (3.03%*)

n/a

n/a

2.69% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

60.00%

70.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.24% (3.03%*)

2.24% (2.98%*)

2.24% (2.94%*)

n/a

2.84% (3.09%*)

n/a

n/a

2.79% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

70.00%

80.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.44% (2.85%*)

2.44% (2.83%*)

2.49% (2.83%*)

n/a

3.04% (3.01%*)

n/a

n/a

2.99% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

none

60.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.44% (3.22%*)

2.44% (3.18%*)

2.49% (3.15%*)

n/a

3.04% (3.29%*)

n/a

n/a

2.99% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

60.00%

70.00%

Features

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 September 2021 and settled before 31 November 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.

Details

Rates and fees information correct as at 26 July 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.44% (3.31%*)

2.44% (3.26%*)

2.49% (3.22%*)

n/a

3.04% (3.35%*)

n/a

n/a

3.09% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$250.00 yearly

$0.00

Other financial bits

none

none

70.00%

80.00%

Features

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 September 2021 and settled before 31 November 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.

Customer Reviews

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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.