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86 400 Home Loans

Compare home loan rates from 86 400, an Australian digital bank.

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86 400

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On this page you can find information about 86 400 home loans. Skip ahead to the full table of products or read more about the lender.

Compare 86 400 home loans

Compare 86 400 home loan products below and hit "load more" to see a fuller selection of loans. These products are only available through mortgage brokers who are working with 86 400.

Data indicated here is updated regularly
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Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
86 400 Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier, P&I)
2.24%
2.73%
$250
$250 p.a.
80%
86 400 Fixed Rate Home Loan - 2 Year Fixed (Investor, P&I)
2.49%
2.94%
$250
$250 p.a.
80%
86 400 Variable Rate Home Loan - (Owner Occupier, P&I)
2.64%
2.92%
$250
$250 p.a.
80%
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86 400 profile

  • 86 400 is a neobank that wants to give Australians more control over their money, with what it calls "a smarter, more personalized banking experience." They launched saving and transaction accounts in September 2019 and mortgages in November 2019.
  • 86 400 has a full banking license and is backed by Cuscal, an Australian payments system company with a long history in financial technology.
  • This digital bank also offers transaction and savings accounts.

86 400 mortgage features

86 400 has variable and fixed rate home loans for investors and owner occupiers, and interest-only options.

FeatureDetails
Deposit sizeYou need an 80% deposit to get a mortgage with this lender.
Offset accountVariable loans allow you to turn your 86 400 pay and save accounts into offset accounts. This is a flexible and convenient way to save, spend and cut down on mortgage interest costs.
Redraw facilityAll the bank's products have a redraw facility.
Available through brokersYou can't apply for a mortgage with 86 400 directly. You'll need to start the process with a broker. Not every mortgage broker has access to every lender's products, but due to its partnership with AFG at least a third of brokers nation-wide may have 86 400 loans in their panel.

How do I apply for a 86 400 mortgage?

At the moment you can only get an 86 400 mortgage through a broker who has the lender on their panel. Talk to mortgage brokers and see if they have this loan in their panel.

Eligibility

Each 86 400 product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income (86 400 only accepts PAYG borrowers at the moment).

Documents required

86 400 uses a custom-built platform to speed up the application process. When you give all your details to your broker this will be passed on to 86 400. You will need to verify your identity through your mobile phone and enter your banking credentials so 86 400 can assess your income and expenses.

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Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. A competitive variable rate loan from St.George. Refinancers borrowing $250,000 or more can get $4,000 cashback (Other terms, conditions and exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate
UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate

Take advantage of a low-fee mortgage with a special interest rate of just 2.49% p.a. and a 2.49% p.a. comparison rate.

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