86 400

86 400 home loans

86 400 has home loans for owner-occupiers and investors, with rates starting from 1.94%.

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86 400 is an online Australian neobank owned by NAB. 86 400 has home loans for investors and owner-occupiers, including fixed and variable rates. Check out the full table of 86 400 products below or read more about the lender and its loans.

Compare 86 400 home loans for December 2021

Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "More info".

Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

86 400 Neat Variable Home Loan P&IHome≥ 40% Deposit

86 400 Neat Variable Home Loan
  • App: $0
  • Ongoing: $0 p.a.
Get flexibility and the option to make unlimited extra repayments with this variable rate loan.

86 400 Own Home Loan Fixed P&IHome 1Y Fixed≥ 20% Deposit

86 400 Own Home Loan Fixed
  • App: $250
  • Ongoing: $250 p.a.
Fix to this very competitive rate for one year. This loan requires a 20% deposit.

86 400 Own Home Loan Fixed P&IHome 2Y Fixed≥ 20% Deposit

86 400 Own Home Loan Fixed
  • App: $250
  • Ongoing: $250 p.a.
Get a low fixed rate for the first two years of your loan. Split and redraw facilities available. Requires a 20% deposit.

86 400 Own Home Loan Fixed P&IHome 3Y Fixed≥ 20% Deposit

86 400 Own Home Loan Fixed
  • App: $250
  • Ongoing: $250 p.a.
$2,000 cashback offer
A competitive fixed rate loan from an online-only smart bank. Requires a 20% deposit. Eligible new borrowers and refinancers can get a $2,000 cashback for a limited time.

86 400 Own Home Loan Fixed P&IHome 5Y Fixed≥ 20% Deposit

86 400 Own Home Loan Fixed
  • App: $250
  • Ongoing: $250 p.a.
$2,000 cashback offer
$2,000 cashback when Get a low fixed rate for the first five years of your loan. Redraw facilities available. Requires a 20% deposit.

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86 400 key facts

  • 86 400 is an online lender. Its online application process is convenient, but the lender has no physical branches. 86 400 is a neobank that launched in 2019. 86 400 was later purchased by NAB and operates as a separate brand backed by the bank.
  • You need at least a 20% deposit for an 86 400 home loan, so borrowers with small deposits may not qualify.
  • This digital bank also offers transaction and savings accounts.

Review by our senior home loans writer Richard Whitten

86 400 home loan features

Here are the key features and details you need to know about 86 400's mortgage products.

Minimum deposit86 400 loans have 80% maximum LVRs. This means you can borrow up to 80% with an 86 400 mortgage. There are no loans for borrowers with low deposits (that is, deposits below 20%).
Offset account?Most 86 400 loans don't come with offset accounts but some of its variable loans do.
Repayment optionsBoth 86 400's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.
App support86 400 offers an app for its customers. You can use the app to manage your 86 400 accounts and get insights into your spending to help you manage your money.

How do I apply for an 86 400 mortgage?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


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.

Documents required

When you apply for a mortgage with 86 400 you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details: You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

Lenders like 86 400

If you want to compare loans from similar lenders to 86 400 then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:

  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Homestar. A 100% online lender, Homestar has been providing mortgages to Australian borrowers since 2004.
  • Nano Home Loans. Nano is an entirely online fintech lender that promises fast loan refinancing and more control over your loan.
  • Loans.com.au. A Brisbane-based online lender, Loans.com.au is backed by Firstmac, Australia's largest non-bank lender.
  • ME Bank. Member's Equity was established back in 1994 and went fully digital in 2012.
  • ING. This online bank is part of the global, Netherlands-based financial group of the same name.

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